# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-012011
**Filing Date:** 2026-6
**Character Count:** 5718542
**Document Hash:** 6d3ce585a15464aebab3cf31ef5642e7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-012011.hdr.sgml**: 20260603

**ACCESSION NUMBER**: 0001999371-26-012011

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

**PUBLIC DOCUMENT COUNT**: 91

**CONFORMED PERIOD OF REPORT**: 20260603

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

**FILED AS OF DATE**: 20260603

**DATE AS OF CHANGE**: 20260603

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 261062152

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

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

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

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

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

<u>EFMT 2026-NQM6</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

**EFMT DEPOSITOR LLC**

By: Ellington Management GROUP, L.L.C., as its manager

Date: June 3, 2026

<u>/s/ Robert A. Catarella</u>

Name: Robert A. Catarella

Title: Managing Director

EXHIBIT INDEX

99.01 [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [AMC Rating Agency Grades Report](ex99-01s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [AMC Exception Grades Report](ex99-01s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [AMC Valuation Summary Report](ex99-01s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [AMC Supplemental Data Report](ex99-01s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [AMC Business Purpose Report](ex99-01s5.htm)

99.02 [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-02.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Data Compare Report](ex99-02s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Due Diligence Standard Report](ex99-02s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Grades Summary Report](ex99-02s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Valuations Report](ex99-02s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Supplemental Report](ex99-02s5.htm)

99.03 [Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-03.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Canopy Supplemental Data Report](ex99-03s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Canopy Business Purpose Supplement Report](ex99-03s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Canopy Rating Agency Grades Detail Report](ex99-03s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Canopy Rating Agency Grades Summary Report](ex99-03s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Canopy Valuation Report](ex99-03s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Canopy ATR or QM Report](ex99-03s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Canopy Data Compare Report](ex99-03s7.htm)

99.04 [Clarifii LLC ("**Clarifii**") Narrative](ex99-04.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii Valuation Report](ex99-04s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Supplemental Data Report](ex99-04s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii RA Grades Summary Report](ex99-04s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii RA Grades Detail Report](ex99-04s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clarifii Data Compare Report](ex99-04s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii Business Purpose Report](ex99-04s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clarifii ATR or QM Report](ex99-04s7.htm)

99.05 [Clayton Services LLC ("**Clayton**") Narrative](ex99-05.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex99-05s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex99-05s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex99-05s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Standard Upload Report](ex99-05s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton Valuation Summary Report](ex99-05s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton Rating Agency ATR QM Report](ex99-05s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Non ATR QM Report](ex99-05s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Clayton Loan Level Tape Compare Report](ex99-05s8.htm)

99.06 [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-06.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Digital Risk Findings Summary Report](ex99-06s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Digital Risk Findings Exception Report](ex99-06s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Digital Risk Rating Agency Report](ex99-06s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Digital Risk Valuation Report](ex99-06s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Digital Risk Summary Report](ex99-06s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Digital Risk Standard Report](ex99-06s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Digital Risk Supplemental Report](ex99-06s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Digital Risk Non-QM Supplemental Report](ex99-06s8.htm)

99.07 [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-07.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex99-07s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex99-07s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex99-07s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex99-07s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex99-07s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Business Purpose Report](ex99-07s7.htm)

99.08 [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-08.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Standard Findings Detail Report](ex99-08s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Rating Agency Grades Summary Report](ex99-08s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex99-08s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Opus Supplemental Data Report](ex99-08s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Opus Business Purpose Report](ex99-08s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex99-08s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex99-08s7.htm)

99.09 [Selene Diligence LLC ("**Selene**") Narrative](ex99-09.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex99-09s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex99-09s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex99-09s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene MLS Report](ex99-09s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Supplemental Data Report](ex99-09s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Business Purpose Report](ex99-09s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene Data Compare Report](ex99-09s7.htm)

## Exhibit 99.01

**Exhibit 99.01**

**AMC Diligence, LLC ("AMC") Narrative**![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted from October 2019 through April 2026 on mortgage loans with origination dates from September 2019 through March 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (36 loans) and the Business Purpose Scope (147 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 183 mortgage loans.

The final population of the Review covered 183 mortgage loans totaling an aggregate original principal balance of approximately $64.401 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

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

---

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![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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**DATA COLLECTION**

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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):**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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)).

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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 |

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;162 | &nbsp;&nbsp;88.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;11.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that one hundred forty-seven (147) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. Three (3) mortgage loans reviewed by AMC have a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All one hundred eighty-three (183) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 89.07% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;163 | &nbsp;&nbsp;89.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;10.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All one hundred eighty-three (183) mortgage loans reviewed by AMC have a Property grade of "B" or higher and 98.91% of the mortgage loans by number have a Property grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;181 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***27*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**27** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**33** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 183 mortgage loans reviewed, there were 259 different tape discrepancies across 23 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date, Borrower Last Name and Subject Debt Service Coverage Ratio.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;59 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;14.81% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;30 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;73 | &nbsp;&nbsp;183 | &nbsp;&nbsp;39.89% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;12 | &nbsp;&nbsp;124 | &nbsp;&nbsp;9.68% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;16 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;125 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;111 | &nbsp;&nbsp;1.80% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;78 | &nbsp;&nbsp;160 | &nbsp;&nbsp;48.75% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;3 | &nbsp;&nbsp;176 | &nbsp;&nbsp;1.70% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;153 | &nbsp;&nbsp;2.61% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;127 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;164 | &nbsp;&nbsp;7.93% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;164 | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;183 | &nbsp;&nbsp;1.09% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;23 | &nbsp;&nbsp;119 | &nbsp;&nbsp;19.33% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**259** | &nbsp;&nbsp;**3570** | &nbsp;&nbsp;**7.25%** | &nbsp;&nbsp;**183** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;182 | &nbsp;&nbsp;99.45% | &nbsp;&nbsp;$63980537.00 | &nbsp;&nbsp;99.35% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$420000.00 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64400537.00** | &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;183 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64400537.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64400537.00** | &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;65 | &nbsp;&nbsp;35.52% | &nbsp;&nbsp;$21081240.00 | &nbsp;&nbsp;32.73% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.83% | &nbsp;&nbsp;$3191962.00 | &nbsp;&nbsp;4.96% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;92 | &nbsp;&nbsp;50.27% | &nbsp;&nbsp;$34749785.00 | &nbsp;&nbsp;53.96% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;19 | &nbsp;&nbsp;10.38% | &nbsp;&nbsp;$5377550.00 | &nbsp;&nbsp;8.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64400537.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;183 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64400537.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64400537.00** | &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;100 | &nbsp;&nbsp;54.64% | &nbsp;&nbsp;$33971652.00 | &nbsp;&nbsp;52.75% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.83% | &nbsp;&nbsp;$2052995.00 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.19% | &nbsp;&nbsp;$1893100.00 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$240000.00 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;34 | &nbsp;&nbsp;18.58% | &nbsp;&nbsp;$14901640.00 | &nbsp;&nbsp;23.14% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$128000.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$164000.00 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;29 | &nbsp;&nbsp;15.85% | &nbsp;&nbsp;$8750600.00 | &nbsp;&nbsp;13.59% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.19% | &nbsp;&nbsp;$1634350.00 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.09% | &nbsp;&nbsp;$664200.00 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64400537.00** | &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;30 | &nbsp;&nbsp;16.39% | &nbsp;&nbsp;$20526532.00 | &nbsp;&nbsp;31.87% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;150 | &nbsp;&nbsp;81.97% | &nbsp;&nbsp;$41864710.00 | &nbsp;&nbsp;65.01% |

---

16 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.64% | &nbsp;&nbsp;$2009295.00 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**183** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64400537.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.01

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

**Exhibit 99.01**

**Schedule 1. AMC Rating Agency Grades Report**

![](situs-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 6/1/2026 5:29:14 PM** |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXX | 1080841 | XXX |  |  | C | B | B | B | B | B C | B | B | B | B | B |
| XXX | 2131543 | XXX |  |  | A |  |  |  |  | D A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2131533 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2131552 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2131500 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2131534 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2132180 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2129464 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2129434 | XXX |  |  | C D |  |  |  |  | A C D B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2126784 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2126814 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2129469 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2126828 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2126802 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2126803 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2132444 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2132431 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2132440 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2132430 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2132445 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2140040 | XXX |  |  | B | C | C | C | C | C A B | A | A | A | A | A B |
| XXX | 2140051 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2140038 | XXX |  |  | B | A | A | A | A | A B | A | A | A | A | A B |
| XXX | 2140039 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2140043 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2140048 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2140041 | XXX |  |  | A | B | B | B | B | B A | A | A | A | A | A |
| XXX | 2140047 | XXX |  |  | B | C | C | C | C | C A B | B | B | B | B | B A |
| XXX | 2140044 | XXX |  |  | B | B | B | B | B | B A | B | B | B | B | B A |
| XXX | 2140049 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2140046 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2140042 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2140045 | XXX |  |  | B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2140052 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2140050 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2159503 | XXX |  |  | A | C | C | C | C | C A | A | A | A | A | A |
| XXX | 2159504 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2144630 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151752 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151751 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151756 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151757 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2155481 | XXX |  |  | D |  |  |  |  | A D B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2139109 | XXX |  |  | B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2153426 | XXX |  |  | C D | C | C | C | C | C A D | A | A | A | A | A |
| XXX | 2153423 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2153425 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2153424 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2153420 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2153422 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2153421 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2153427 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2153428 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2156429 | XXX |  |  | C | C | C | C | C | C A | A | A | A | A | A |
| XXX | 2159519 | XXX |  |  | C | C | C | C | C | C A | A | A | A | A | A B |
| XXX | 2156430 | XXX |  |  | C | A | A | A | A | A C B | A | A | A | A | A B |
| XXX | 2156431 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2156432 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2156433 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2159510 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2159505 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2159507 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2159509 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2159506 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2151857 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2151861 | XXX |  |  | B | C | C | C | C | C A B | A | A | A | A | A B |
| XXX | 2151858 | XXX |  |  | C | A | A | A | A | A C B | A | A | A | A | A B |
| XXX | 2151862 | XXX |  |  | C | C | C | C | C | C A | A | A | A | A | A |
| XXX | 2151871 | XXX |  |  | C | A | A | A | A | A C | A | A | A | A | A |
| XXX | 2151866 | XXX |  |  | B | A | A | A | A | A B | A | A | A | A | A B |
| XXX | 2151864 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2151859 | XXX |  |  | C | C | C | C | C | C A | A | A | A | A | A |
| XXX | 2151870 | XXX |  |  | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 2151863 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151860 | XXX |  |  | B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2151865 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151856 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2151867 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151869 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2151868 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144113 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2131453 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2139108 | XXX |  |  | B |  |  |  |  | A B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2144100 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142360 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142388 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142315 | XXX |  |  | C |  |  |  |  | A C B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2142381 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144099 | XXX |  |  | D |  |  |  |  | A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142316 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2139106 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142317 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142319 | XXX |  |  | C |  |  |  |  | A C B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2129438 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142380 | XXX |  |  | C |  |  |  |  | A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142365 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2139100 | XXX |  |  | A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144112 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144110 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142359 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142390 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142386 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142373 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142322 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2139099 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144103 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142396 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144093 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144094 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142370 | XXX |  |  | C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142368 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142350 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142329 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144086 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142335 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142340 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142369 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142394 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142363 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142397 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142345 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142384 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142367 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142385 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142357 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142401 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142398 | XXX |  |  | C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142320 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142333 | XXX |  |  | B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142371 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142366 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142353 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142337 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142364 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142344 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142362 | XXX |  |  | C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144088 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142332 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142400 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142378 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144109 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142375 | XXX |  |  | B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142324 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142331 | XXX |  |  | C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142352 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142391 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142342 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144104 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144063 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144106 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144062 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144081 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144108 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144115 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144066 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142374 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142382 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144074 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142343 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144076 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144085 | XXX |  |  | C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144105 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144096 | XXX |  |  | C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142321 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142339 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144083 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144087 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142354 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144071 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| XXX | 2145927 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144075 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142341 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144091 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144084 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144080 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142323 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144082 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144077 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144092 | XXX |  |  | D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXX | 2145928 | XXX |  |  | C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXX | 2142330 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144064 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 2144072 | XXX |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.01

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

**Exhibit 99.01**

**Schedule 2. AMC Exception Grades Report**

![](situs-logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 6/1/2026 5:29:14 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 1080841 | XXX |  | 14062952 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Fails safe harbor due to incorrect lender name on appraisal |  |  |  | Reviewer Comment (2019-10-04): Client elects to waive, remains EV-[redacted] |  |  | 10/04/2019 | 2 B |  | XX | Primary | Purchase | C B | Non QM | Non QM | No |
| XXX | 1080841 | XXX |  | 14093776 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal that the Client is the broker, not the lender. Lender must provide an addendum showing the lender is [redacted]. |  |  |  | Reviewer Comment (2019-10-04): Client elects to waive, remains EV-[redacted] |  |  | 10/04/2019 | 2 B |  | XX | Primary | Purchase | C B | Non QM | Non QM | No |
| XXX | 1080841 | XXX |  | 14093920 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The VVOE for the borrower's current employment is missing. |  |  |  | Reviewer Comment (2019-10-08): Received and cleared.<br>Seller Comment (2019-10-07): Please see attached. Thank you. | 10/08/2019 |  |  | 1 C A |  | XX | Primary | Purchase | C B | Non QM | Non QM | No |
| XXX | 1080841 | XXX |  | 14239100 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Post Disaster Inspection is required. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] |  | Aggregator | Reviewer Comment (2019-10-22): Client has requested to Waive [redacted] exception and stated they will get a PDI after FEMA end date is declared. Client is aware they may need to provide rep and warrant on securitization and answer [redacted] inquiries into method used to achieve comfort with property quality if exception remains as is.<br>Seller Comment (2019-10-14): The loan funded prior to the disaster being declared. A post disaster inspection isn't required in this instance. Please escalate. Thank you.<br>Reviewer Comment (2019-10-14): The appraisal was dated [redacted] and the disaster ended on [redacted] Therefore, a Post Disaster Inspection is required.<br>Seller Comment (2019-10-11): The disaster was declared after the loan funded. Post disaster inspection isn't required. Thank you. |  |  | 10/22/2019 | 2 B |  | XX | Primary | Purchase | C B | Non QM | Non QM | No |
| XXX | 2131543 | XXX |  | 35947113 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-09): As per UCDP CU score <[redacted] no secondary valuation is required. Exception Cleared.<br>Buyer Comment (2025-12-05): [redacted] SSR | 12/09/2025 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2129434 | XXX |  | 35966249 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Letter of explanation for living rent free and living rent free requires a LLPA and UW discretion. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-12-16): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-15): Rent free letter is required to be written by the homeowner/non-borrowing spouse.<br>Buyer Comment (2025-12-15): signed loe<br>Reviewer Comment (2025-12-08): Provide the rent free letter from the homeowner.<br>Buyer Comment (2025-12-04): Uw discretion<br>Buyer Comment (2025-12-04): lock |  |  | 12/19/2025 | 2 C B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXX | 2129434 | XXX |  | 35966250 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing rent free letter of explanation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-12-16): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-15): Rent free letter is required to be written by the homeowner/non-borrowing spouse.<br>Buyer Comment (2025-12-15): see attached loe |  |  | 12/19/2025 | 2 C B D |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXX | 2132444 | XXX |  | 35966395 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-30): Received UW discretion in the file for borrower living rent free with someone other than a spouse. Exception Cleared<br>Buyer Comment (2026-01-28): uw discretion | 01/30/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2132431 | XXX |  | 35966397 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2026-01-30): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-01-28): Final SS | 01/30/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2132440 | XXX |  | 35966402 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2026-01-30): Final Closing Statement received. Exception cleared.<br>Buyer Comment (2026-01-28): Final SS | 01/30/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2140040 | XXX |  | 36139370 |  | 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 [redacted] business days prior to closing. | Provided closing disclosure dated [redacted] was used at closing. Evidence of the initial CD provided to the borrower at least three business days prior to closing is required. |  |  |  | Reviewer Comment (2026-02-03): [redacted[ received initial CD dated [redacted].<br>Buyer Comment (2026-02-02): Initial Cd attached | 02/03/2026 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXX | 2140040 | XXX |  | 36139373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the property to still be under construction and the HOA is short $[redacted] in crime and fidelity coverage. Subject condo association is non-warrantable. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-29): Lender exception approval in file |  |  | 01/29/2026 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2140040 | XXX |  | 36139374 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-29): Sufficient Cure Provided At Closing |  | 01/29/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2140051 | XXX |  | 36139376 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. |  | Missing Credit scores |  |  |  | Reviewer Comment (2026-02-12): Received Credit Report<br>Buyer Comment (2026-02-11): see credit report | 02/12/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2140051 | XXX |  | 36139377 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Missing Credit Scores |  |  |  | Reviewer Comment (2026-02-12): Received Credit Report<br>Buyer Comment (2026-02-11): See credit reprot | 02/12/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2140038 | XXX |  | 36139380 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title coverage is less than the loan amount, Please provide a current copy of the preliminary, commitment, or final title. |  |  |  | Reviewer Comment (2026-02-26): Received<br>Buyer Comment (2026-02-24): attached<br>Reviewer Comment (2026-02-20): Received latest copy of Preliminary Title does not [redacted] loan amount, Exception Remains<br>Buyer Comment (2026-02-18): ATTACHED | 02/26/2026 |  |  | 1 B A |  | XX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXX | 2140038 | XXX |  | 36139381 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed Property owned free and clear ([redacted]) and taxes were not paid on time. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-16): Lender exception approval in file |  |  | 02/16/2026 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXX | 2140048 | XXX |  | 36139392 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | There is no credit score present in the credit. |  |  |  | Reviewer Comment (2026-02-23): Received Credit report<br>Buyer Comment (2026-02-20): Please see attached credit report. | 02/23/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2140048 | XXX |  | 36139393 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. |  |  |  |  |  | Reviewer Comment (2026-02-23): Received<br>Buyer Comment (2026-02-20): Please see attached Credit Report. | 02/23/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2140041 | XXX |  | 36139395 |  | 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 [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-24): Received internal tracking<br>Buyer Comment (2026-02-24): Disclosure tracking already provided see doc [redacted]<br>Reviewer Comment (2026-02-23): Please provide Disclosure tracking<br>Buyer Comment (2026-02-20): Please re-review Disclosure Tracking Details document that was uploaded to shows that it was sent to borrower on [redacted]. | 02/24/2026 |  |  | 1 B A |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXX | 2140047 | XXX |  | 36139397 |  | 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 [redacted] business days prior to consummation. | Appraisal Revision dated [redacted] - Note date is [redacted] - Less than [redacted] business days. |  |  |  | Reviewer Comment (2026-02-26): Lender acknowledges that this will remain an EV[redacted]/grade B and elects to waive<br>Buyer Comment (2026-02-24): Elect to waive and close out grade [redacted] for appraisal delivery of final version. |  |  | 02/26/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2140047 | XXX |  | 36139399 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  |  | Reviewer Comment (2026-02-26): Lender acknowledges that this will remain an EV[redacted]/grade B and elects to waive<br>Buyer Comment (2026-02-24): Elect to waive grade [redacted] for [redacted] Net Tangible disclosure |  |  | 02/26/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2140047 | XXX |  | 36139400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2026-02-25): [redacted[ Received earliest E-Consent dated [redacted].<br>Buyer Comment (2026-02-24): E-consent | 02/25/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2140047 | XXX |  | 36139403 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed Transfer Appraisal without [redacted] ([redacted]Appraisal desk has reviewed/accepted Appraisal) | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-23): Lender exception approval in file |  |  | 02/23/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2140044 | XXX |  | 36139406 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The file was missing copy of the Notice of Special Flood Hazard Disclosure for all borrowers to be provided within [redacted] days of originator application date. |  |  |  | Reviewer Comment (2026-03-03): Lender acknowledges that this will remain an EV[redacted]/grade B and elects to waive<br>Buyer Comment (2026-02-25): Flood notification<br>Buyer Comment (2026-02-25): The flood notification was signed on [redacted], but I found the [redacted] Insurance application completed and signed by [redacted] on [redacted]. This constitutes notification of the requirement for flood insurance. this invoice meets this requirement. |  |  | 03/03/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2140044 | XXX |  | 36139407 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender waived required tax transcripts for [redacted] [redacted]tax returns | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-24): Lender exception approval in file |  |  | 02/24/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2140044 | XXX |  | 36139408 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided At Closing |  | 02/24/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2140049 | XXX |  | 36139412 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-20): Sufficient Cure Provided At Closing |  | 02/20/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXX | 2140046 | XXX |  | 36139419 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-03-04): Received<br>Buyer Comment (2026-02-27): Please see attached econsent | 03/04/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXX | 2140045 | XXX |  | 36139431 |  | 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 allowed the subject loan amount to not meet 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>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-16): Lender exception approval in file |  |  | 02/16/2026 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2140050 | XXX |  | 36139434 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit application for [redacted] states she will occupy property as [redacted] Residence, a corrected and signed [redacted]is required showing she will not Occupy | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-02): Lender requests to waive with compensating factors to an EV[redacted]/grade B<br>Buyer Comment (2026-02-25): Lender requests review for downgrade to a [redacted] with comp factors and lender accepts finding |  |  | 03/02/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2159503 | XXX |  | 36144605 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided |  |  |  | Reviewer Comment (2026-03-18): [redacted[ received updated LE and valid changed circumstance.<br>Buyer Comment (2026-03-17): Please see the attached Loan Estimate<br>Buyer Comment (2026-03-16): The FEE increased on the LE [redacted]<br>Reviewer Comment (2026-03-11): [redacted[ received COC dated [redacted] whereas the fee amount increased on CD dated [redacted] for $[redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2026-03-10): Please see the attached COC | 03/18/2026 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXX | 2159504 | XXX |  | 36195734 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | [redacted] Fair Plan Policy: Mortgagee + ISAOA is missing |  |  |  | Reviewer Comment (2026-03-25): Email from agent regarding no claims filed<br>Buyer Comment (2026-03-24): Please see the attached email from the agent confirming there has been no claims after or on closing for the subject.<br>Reviewer Comment (2026-03-24): The corrected policy is dated post-close. Provide confirmation from the agent that no claims have been filed since closing.<br>Buyer Comment (2026-03-24): Please see the attached HOI | 03/25/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2144630 | XXX |  | 36195759 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final Closing Statement is not signed / stamped certified. |  |  |  | Reviewer Comment (2026-03-27): Final stamped settlement statement provided<br>Buyer Comment (2026-03-26): see attached | 03/27/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2155481 | XXX |  | 36253198 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment provided but there is no Signature on page. Additional conditions may apply after document is received, entered, and reviewed. |  |  |  | Reviewer Comment (2026-01-26): Received executed Note in trailing docs.<br>Buyer Comment (2026-01-22): Executed Note and PPP | 01/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | Yes |
| XXX | 2155481 | XXX |  | 36253199 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note Document provided but there is no Signature on page. Additional conditions may apply after document is received, entered, and reviewed. |  |  |  | Reviewer Comment (2026-01-26): Received executed Note in trailing docs.<br>Buyer Comment (2026-01-22): Executed Note and PPP Addendum | 01/26/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2155481 | XXX |  | 36253200 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [redacted] Properties. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2026-01-21): Lender Exception with Compensating Factors. |  |  | 01/21/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2155481 | XXX |  | 36253201 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [redacted] Properties. | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2026-01-21): Lender Exception with Compensating Factors. |  |  | 01/21/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2155481 | XXX |  | 36253202 |  | Credit | Business Purpose | General | Business Purpose | Personal Guarantor is required per Investor Guidelines |  | Note not signed, unable to determine if borrowers signed as Individuals or Guarantors. |  |  |  | Reviewer Comment (2026-01-28): Fully executed note provided.<br>Buyer Comment (2026-01-22): Executed Personal Guaranty Attached | 01/28/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2155481 | XXX |  | 36253203 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum for [redacted]., maximum late charge percentage allowed is [redacted]%. |  |  |  | Reviewer Comment (2026-02-10): New note provided with [redacted]% late charge.<br>Buyer Comment (2026-02-10): New Note | 02/10/2026 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2139109 | XXX |  | 36283754 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Provide verification the tax liens and judgments were paid at or prior to closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-02-19): Lender approved exception Post Close with compensating factors.<br>Buyer Comment (2026-02-17): exception |  |  | 02/19/2026 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2153426 | XXX |  | 36288123 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-02-13): FTP provided | 02/13/2026 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| XXX | 2153426 | XXX |  | 36288126 |  | 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 [redacted] business days prior to closing. | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2026-02-11): [redacted[ received [redacted] Initial CD, [redacted] business days prior to the consummation.<br>Buyer Comment (2026-02-11): see attached | 02/11/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXX | 2153426 | XXX |  | 36288127 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | A gap credit report provided within [redacted] days of closing is missing from file. Debt must match or be lower than payoffs on CD as original amounts on original credit report are higher. |  |  |  | Reviewer Comment (2026-02-13): Received and associated Credit Report - Gap. Exception cleared.<br>Buyer Comment (2026-02-11): see attached | 02/13/2026 |  |  | 1 C A D |  | XX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| XXX | 2153426 | XXX |  | 36288128 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Items #[redacted] and #[redacted] on title require full reconveyance and proof line has been frozen and requested close. |  |  |  | Reviewer Comment (2026-02-13): FTP provided<br>Buyer Comment (2026-02-13): see attached | 02/13/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| XXX | 2153423 | XXX |  | 36288146 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided At Closing |  | 03/06/2026 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXX | 2153423 | XXX |  | 36288148 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | The [redacted] Declarations, item F. "Are you a co-signer or guarantor on any debt not disclosed on this application?" was marked Yes. However, the file does not include documentation to identify or verify the referenced debt(s). |  |  |  | Reviewer Comment (2026-04-08): Correction provided<br>Buyer Comment (2026-04-08): see attached<br>Reviewer Comment (2026-03-30): The correction page was attached to the already signed final 1003. Provide the signed or initialed page with correction by the borrower or provide the lender attestation on error and also verifying that this was verified with the borrower.<br>Buyer Comment (2026-03-27): see attached - selection marked in error | 04/08/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXX | 2153420 | XXX |  | 36288428 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-02-26): COGS provided<br>Buyer Comment (2026-02-26): Attached | 02/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2153420 | XXX |  | 36288429 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | [redacted] $[redacted]. Provide the [redacted]. |  |  |  | Reviewer Comment (2026-03-27): Client email provided accepting verbiage on HOI stating replacement cost with agent email stating EOI does state replacement cost for any covered losses up to the building limit. Requested clearance.<br>Reviewer Comment (2026-02-26): The value is only used if no RCE is provided or estimated cost new. The estimated cost new is $[redacted] on the appraisal x [[redacted]. Shortfall $[redacted]. Provide the RCE.<br>Buyer Comment (2026-02-26): HOI reflects $[redacted] in building coverage. Property value is $[redacted]; not sure where the discrepancy is? Please clear based on this info or let us know. | 03/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2153422 | XXX |  | 36288432 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance shortfall is $[redacted]. Provide the [redacted]. |  |  |  | Reviewer Comment (2026-03-27): Client email provided accepting verbiage on HOI stating replacement cost with agent email stating EOI does state replacement cost for any covered losses up to the building limit. Requested clearance.<br>Reviewer Comment (2026-02-26): The value is only used if no RCE is provided or estimated cost new. The estimated cost new is $[redacted] on the appraisal x [redacted]. Coverage is $[redacted] Shortfall $[redacted]. Provide the RCE.<br>Buyer Comment (2026-02-26): HOI reflects $[redacted] in building coverage. Property value is $[redacted]; not sure where the discrepancy is? Please clear based on this info or let us know. | 03/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2153422 | XXX |  | 36288433 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-02-26): COGS provided<br>Buyer Comment (2026-02-26): Attached | 02/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2153421 | XXX |  | 36288435 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-02-26): COGS provided<br>Buyer Comment (2026-02-26): Attached | 02/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2153421 | XXX |  | 36288436 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide the [redacted]. |  |  |  | Reviewer Comment (2026-03-27): Client email provided accepting verbiage on HOI stating replacement cost with agent email stating EOI does state replacement cost for any covered losses up to the building limit. Requested clearance.<br>Reviewer Comment (2026-02-26): The value is only used if no RCE is provided or estimated cost new. The estimated cost new is $[redacted] on the appraisal x [redacted]. Coverage is $[redacted] Shortfall $[redacted]. Provide the RCE.<br>Buyer Comment (2026-02-26): HOI reflects $[redacted] in building coverage. Property value is $[redacted]; not sure where the discrepancy is? Please clear based on this info or let us know. | 03/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156429 | XXX |  | 36314856 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] party verification of [redacted] not dated within [redacted] days prior to closing. OpenCorp does not have a pull date and CPA letter is > [redacted] days old. |  |  |  | Reviewer Comment (2026-04-17): Received and associated Business Entity Listing for [redacted]. Exception cleared.<br>Buyer Comment (2026-04-15): see attached | 04/17/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2156429 | XXX |  | 36314857 |  | 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. | [redacted] party verification of [redacted] not dated within [redacted] days prior to closing. OpenCorp does not have a pull date and CPA letter is > [redacted] days old. |  |  |  | Reviewer Comment (2026-04-17): Received and associated Business Entity Listing for [redacted[. Exception cleared.<br>Buyer Comment (2026-04-15): see attached | 04/17/2026 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| XXX | 2156429 | XXX |  | 36314858 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] party verification of [redacted] not dated within [redacted] days prior to closing. OpenCorp does not have a pull date and CPA letter is > [redacted] days old. |  |  |  | Reviewer Comment (2026-04-17): Received and associated Business Entity Listing for [redacted[. Exception cleared.<br>Buyer Comment (2026-04-15): see attached | 04/17/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314859 |  | 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. | < [redacted]months bank statements provided for account #[redacted]. |  |  |  | Reviewer Comment (2026-04-02): New account opened. [redacted] months not required. LOE provided and source of large deposit assets within days also provided.<br>Buyer Comment (2026-04-01): see attached<br>Reviewer Comment (2026-03-30): LOE provided for < [redacted] months as account was just opened. An exception is not required but the source of the large deposit into this account is. Provide the final settlement statement for this deposit for clearance.<br>Buyer Comment (2026-03-27): see attached | 04/02/2026 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314862 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Transfer letter not provided for primary appraisal | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Client elects to waive<br>Reviewer Comment (2026-04-06): This loan did not come over as a correspondent loan. In speaking with the escalation team, as this does not appear to be a correspondent loan, we would typically see [redacted] forms from [redacted], which is this release letter and another that indicates it was ordered to AIR requirements. This second document would be required for review unless this is a correspondent loan. If this is a correspondent loan, then an attestation from [redacted] is required confirming this as well as confirming compliance with the [redacted] requirements were met or have the appraisal put in [redacted] name. To note, this is an EV[redacted] condition that can be waived as-is.<br>Reviewer Comment (2026-03-30): Release of appraisal and an appraisal transfer are not the same. A release is the original lender giving permission to share the report, while a transfer is the process of assigning that report to a new lender. Provide the transfer letter.<br>Buyer Comment (2026-03-27): see attached |  |  | 04/06/2026 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314863 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] months bank statements provided for account [redacted] |  |  |  | Reviewer Comment (2026-04-02): New account opened. [redacted] months not required. LOE provided and source of large deposit assets within [redacted] days also provided.<br>Buyer Comment (2026-04-01): see attached<br>Reviewer Comment (2026-03-30): LOE provided for < [redacted] months as account was just opened. An exception is not required but the source of the large deposit into this account is. Provide the final settlement statement for this deposit for clearance.<br>Buyer Comment (2026-03-27): see attached | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted]months bank statements provided for account [redacted] |  |  |  | Reviewer Comment (2026-04-02): New account opened. [redacted] months not required. LOE provided and source of large deposit assets within [redacted] days also provided.<br>Buyer Comment (2026-04-01): see attached<br>Reviewer Comment (2026-03-30): LOE provided for < [redacted] months as account was just opened. An exception is not required but the source of the large deposit into this account is. Provide the final settlement statement for this deposit for clearance.<br>Buyer Comment (2026-03-27): see attached | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314865 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2026-03-25): Sufficient Cure Provided At Closing |  | 03/25/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314866 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | The full balance of the [redacted] was not paid off. Balance $[redacted] and payoff $[redacted] on Final CD. Adding in the difference with a [redacted]% monthly payment increases the DTI slightly [redacted]. Provide the payoff for the credit debt to support paid in full at closing. |  |  |  | Reviewer Comment (2026-04-03): Received and associated Credit Payoff Statement. Exception Cleared<br>Buyer Comment (2026-04-01): see attached | 04/03/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314867 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Departure Residence: Provide the security deposit [redacted] month rent for use of rental income. |  |  |  | Reviewer Comment (2026-04-03): Received and associated Deposit Receipts, Bank Statements and Official Checks for Rent and Security deposit. Exception Cleared<br>Buyer Comment (2026-04-01): see attached | 04/03/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2159519 | XXX |  | 36314868 |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Secondary appraisal does not have the PUD box checked. |  |  |  | Reviewer Comment (2026-04-08): Updated appraisal provided<br>Buyer Comment (2026-04-07): see attached<br>Reviewer Comment (2026-03-31): The appraisal provided has the same date of signature and report as the incorrect appraisal. Provide the corrected appraisal with updated date as to when the appraiser corrected this.<br>Buyer Comment (2026-03-31): see attached | 04/08/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2156430 | XXX |  | 36314886 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood Insurance Coverage Amount is insufficient by $[redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-13): Client elects to waive with compensating factors.<br>Reviewer Comment (2026-04-13): Received lender exception approval for insufficient flood insurance coverage at closing.<br>Buyer Comment (2026-04-13): Please see the attached exception form for the insufficient flood coverage<br>Reviewer Comment (2026-04-10): The policy's updated coverage did not take effect until [redacted] which is post-close per the receipt for payment for additional covederage. Borrower did not have sufficient coverage at time of closing. Client can elect to waive with verified compensation factors.<br>Buyer Comment (2026-04-10): Please see the attached Flood Insurance - Page [redacted] |  |  | 04/13/2026 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2156430 | XXX |  | 36314887 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide the RCE or agent confirmation [redacted]% replacement cost coverage ([redacted]) |  |  |  | Reviewer Comment (2026-04-09): RCE provided along with agent email confirming [redacted]% replacement cost.<br>Buyer Comment (2026-04-09): See the attached email from the Insurance Agent confirming the property is insured at [redacted]% RCE<br>Buyer Comment (2026-04-09): See the attached RCE | 04/09/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2156430 | XXX |  | 36314890 |  | 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 ___. |  | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-04-09): See the attached exception form |  |  | 04/09/2026 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2156430 | XXX |  | 36314891 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval provided for loan amount of $[redacted]. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-10): Client elects to waive with compensating factors. |  |  | 04/10/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2159505 | XXX |  | 36365533 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-04-23): Received final title policy. Exception cleared. | 04/23/2026 |  |  | 1 A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2159505 | XXX |  | 36365534 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title reflects a mortgage and [redacted] on the title. Evidence these liens are paid and released is required. In addition, the most recent [redacted] month payment history on this mortgage may be required. |  |  |  | Reviewer Comment (2026-04-23): Received final title policy. Exception cleared.<br>Buyer Comment (2026-04-22): Please see the Final Title Policy<br>Buyer Comment (2026-04-22): Please see the attached as the recorded mortgage/reconveyance prior to the other one. The Final Title Policy will follow<br>Reviewer Comment (2026-04-22): Received the satisfied [redacted], however the mortgage that was provided is the subject mortgage. Evidence of the additional mortgage on title has been released/satisfied remains missing.<br>Buyer Comment (2026-04-20): Please see the attached [redacted] termination that was recorded at closing with the recorded mortgage | 04/23/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2159507 | XXX |  | 36365557 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |  | 03/31/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXX | 2159507 | XXX |  | 36365559 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2026-04-21): Received and associated Mortgage Statement showing tax and Insurance Verification is Escrowed. Exception cleared.<br>Buyer Comment (2026-04-17): The monthly payment we used of $[redacted] was taken from the Credit Supplement that is in file that verified the balance, the next payment due, payment history, etc. They asked for a mortgage statement showing proof of escrows OR proof of monthly taxes/insurance. - They got exactly that, a mortgage statement showing that taxes & insurance were escrowed. We used the higher payment for qualifying, which is conservative. Additional documentation is not required.<br>Reviewer Comment (2026-04-16): Provided Mortgage statement document reflects Monthly Mortgage Payment$[redacted] for REO Property "[redacted][redacted].", however, final 1003 and Credit Report listed Monthly Mortgage Payment as $[redacted]. Please provide supporting document for Monthly Mortgage Payment of $[redacted]. Exception remains<br>Buyer Comment (2026-04-14): mortgage statement attached<br>Reviewer Comment (2026-04-09): Documentation to verify the insurance exspense for the [redacted] property is not located in the file.<br>Buyer Comment (2026-04-07): What is needed to clear this condition | 04/21/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2159509 | XXX |  | 36365568 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-04-21): Final Title policy received with coverage amount, exception cleared | 04/21/2026 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXX | 2159509 | XXX |  | 36365569 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-04-21): Final Title policy received with coverage amount, exception cleared<br>Buyer Comment (2026-04-20): Please see the attached Final Title Policy with the loan amount listed as $[redacted] | 04/21/2026 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXX | 2159509 | XXX |  | 36365570 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2026-04-24): Replacement Cost Estimator received and associated. Exception cleared.<br>Buyer Comment (2026-04-23): Please see the attached RCE. It is only [redacted] months old.[redacted] will request a new RCE report a few months before the renewal date to use when preparing their Home Insurance Renewal offer. This is the controlling document used for the policy with effective dates between [redacted] through [redacted]. | 04/24/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXX | 2151861 | XXX |  | 36417970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided |  |  |  | Reviewer Comment (2026-03-11): [redacted[ received rebuttal comment and as per exception letter in file.<br>Buyer Comment (2026-03-10): The increase in Lender Credit was a result of a pricing adjustment due to a guideline exception of .[redacted]% or an additional $[redacted]. This pricing adjustment was the day before closing. Providing Secondary market locks, last lock reflects this pricing change day prior to closing, that resulted in an increase of the Lender Credit. | 03/11/2026 |  |  | 1 C A |  | XX | 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 |
| XXX | 2151861 | XXX |  | 36417972 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed construction not complete. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-09): Lender exception approval in file |  |  | 03/09/2026 | 2 B |  | XX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2151858 | XXX |  | 36417975 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The [redacted] bank statement is missing in the file for [redacted] this statement was used to calculate the borrower's income. |  |  |  | Reviewer Comment (2026-03-11): Received Bank Statement. Exception Cleared<br>Buyer Comment (2026-03-10): See attached missing account statement from [redacted] | 03/11/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| XXX | 2151858 | XXX |  | 36417976 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The [redacted] bank statement is missing in the file for [redacted] this statement was used to calculate the borrower's income. |  |  |  | Reviewer Comment (2026-03-11): Received Bank Statement. Exception Cleared<br>Buyer Comment (2026-03-10): See attached missing account statement from [redacted] Federal CU | 03/11/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| XXX | 2151858 | XXX |  | 36417977 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the Credit Event Time Frame less than [redacted] years - Borrower had Modification [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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-09): Lender exception approval in file |  |  | 03/09/2026 | 2 B |  | XX | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| XXX | 2151862 | XXX |  | 36417982 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | All Documents were signed [redacted] |  |  |  | Reviewer Comment (2026-03-11): Received PCCD<br>Buyer Comment (2026-03-10): See attached PCCD with updated disbursement date. | 03/11/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| XXX | 2151862 | XXX |  | 36417983 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan was approved as a [redacted] Loan however, the 1008 in the file shows the loan as a "[redacted]" Please provide a corrected 1008 to match the approval and rate lock. |  |  |  | Reviewer Comment (2026-03-11): Received<br>Buyer Comment (2026-03-10): See attached corrected 1008 | 03/11/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXX | 2151871 | XXX |  | 36417985 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Document provided has last amount paid however does not have next amount due. |  |  |  | Reviewer Comment (2026-03-24): Used [redacted]% of purchase price<br>Buyer Comment (2026-03-22): There is a tax bill and a property tax calculator ([redacted] . We are using [redacted]% of the purchase price to qualify the borrower due to it being the most conservative tax calculation from the three options (tax bill, SmartAsset, and [redacted]% of PP).<br>Reviewer Comment (2026-03-16): Received internet explanation of how property taxes work - Please review Doc [redacted], Tax Record information sheet Cert signed by Title Company - It shows Last amount paid $[redacted] - it does not state if the Frequency is Annual, or Semi-Annual or Quarterly or Tri-Annual nor does it state when next is due - Please provide Frequency and amount next due<br>Buyer Comment (2026-03-12): ATTACHED | 03/24/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2151866 | XXX |  | 36417990 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Acreage at [redacted] maximum of [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-10): Lender exception approval in file |  |  | 03/10/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2151866 | XXX |  | 36417991 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal snot ordered thru [redacted] vs. guideline appraisal to be ordered thru [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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-10): Lender exception approval in file |  |  | 03/10/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2151866 | XXX |  | 36417992 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-10): Lender exception approval in file |  |  | 03/10/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2151859 | XXX |  | 36418003 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The borrower is short reserves as the proof of transfer for the $[redacted] in gift funds wasn't provided. |  |  |  | Reviewer Comment (2026-03-18): Final CD reflects Gift Funds. Considered usability as [redacted]%. Exception Cleared<br>Buyer Comment (2026-03-17): Final CD on subject property, from same title company used for gift givers refi - Final CD signed at closing shows same gift amount and source.<br>Buyer Comment (2026-03-17): This gift came from another transaction, handled by the same title company in [redacted]. The settlement statement is from a refi from the 'gift giver' refinancing a property. Please review page [redacted] of the settlement statement, "Gift funds to.." $[redacted]. Same title company then applied this to this loan. You can see this gift from internal title company transfer on the final CD signed at closing for the same amount shown as a gift. | 03/18/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2151859 | XXX |  | 36418004 |  | 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. | The loan is failing ATR as they are short reserves without proof of transfer of the $[redacted] in gift funds. |  |  |  | Reviewer Comment (2026-03-18): Received evidence of Gift funds<br>Buyer Comment (2026-03-18): Final CD on subject property, from same title company used for gift givers refi - Final CD signed at closing shows same gift amount and source.<br>Buyer Comment (2026-03-18): This gift came from another transaction, handled by the same title company in [redacted]. The settlement statement is from a refi from the 'gift giver' refinancing a property. Please review page [redacted] of the settlement statement, "Gift funds to.." $[redacted]. Same title company then applied this to this loan. You can see this gift from internal title company transfer on the final CD signed at closing for the same amount shown as a gift. | 03/18/2026 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXX | 2151859 | XXX |  | 36418005 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is failing ATR as they are short reserves without proof of transfer of the $[redacted] in gift funds. |  |  |  | Reviewer Comment (2026-03-18): Received evidence of Gift funds<br>Buyer Comment (2026-03-18): Final CD on subject property, from same title company used for gift givers refi - Final CD signed at closing shows same gift amount and source.<br>Buyer Comment (2026-03-18): This gift came from another transaction, handled by the same title company in [redacted]. The settlement statement is from a refi from the 'gift giver' refinancing a property. Please review page [redacted] of the settlement statement, "Gift funds to.." $[redacted]. Same title company then applied this to this loan. You can see this gift from internal title company transfer on the final CD signed at closing for the same amount shown as a gift. | 03/18/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2151859 | XXX |  | 36418006 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The borrower is short reserves as the proof of transfer for the $[redacted] in gift funds wasn't provided. |  |  |  | Reviewer Comment (2026-03-18): Received evidence of receipt of Gift<br>Buyer Comment (2026-03-18): Final CD on subject property, from same title company used for gift givers refi - Final CD signed at closing shows same gift amount and source.<br>Buyer Comment (2026-03-18): This gift came from another transaction, handled by the same title company in [redacted]. The settlement statement is from a refi from the 'gift giver' refinancing a property. Please review page [redacted] of the settlement statement, "Gift funds to.." $[redacted]. Same title company then applied this to this loan. You can see this gift from internal title company transfer on the final CD signed at closing for the same amount shown as a gift. | 03/18/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2151860 | XXX |  | 36418018 |  | 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 allowed the subject loan amount that is less than the guideline requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-27): Lender exception approval in file |  |  | 02/27/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2151856 | XXX |  | 36418021 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | As per Note, the property address is [redacted]. However, on flood certificate the address is [redacted]. |  |  |  | Reviewer Comment (2026-03-12): Flood insurance for HOA covers Flood Cert and all [redacted]Units<br>Buyer Comment (2026-03-12): There was an address affidavit done at closing, if this is unacceptable, then downgrade to a [redacted], and the lender accepts finding | 03/12/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2151856 | XXX |  | 36418022 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Subject transaction does not meet the DSCR requirement for the short-term rental and non-warrantable condo transaction. Lender guidelines require a [redacted]% haircut to condotel short-term rental income. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Lender requests to waive with compensating factors to an EV[redacted]/grade B<br>Buyer Comment (2026-03-12): Please downgrade to a [redacted]with comp factors, lender accepts finding |  |  | 03/12/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2151856 | XXX |  | 36418023 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for the subject property being a condotel and not meeting the lender's extended requirements for the property type. Property is not held by a nationally recognized hotel brand and association has no reserve allocation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-05): Lender exception approval in file |  |  | 03/05/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2144113 | XXX |  | 36480843 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing |  |  |  | Reviewer Comment (2025-09-23): Corrected 1003<br>Buyer Comment (2025-09-19): signed 1003<br>Buyer Comment (2025-09-19): certificate<br>Buyer Comment (2025-09-19): US passport | 09/23/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2131453 | XXX |  | 36480850 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Articles Of Formation missing for [redacted] |  |  |  | Reviewer Comment (2025-10-21): Received<br>Buyer Comment (2025-10-17): Please find Articles attached. Thank you. | 10/21/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2139108 | XXX |  | 36480854 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Exception request For Allow FICO of [redacted] vs Program minimum FICO of [redacted] with DSCR [redacted] minimum on Purchase Transaction | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-11-14): Waived with compensating factors per lender exception approval at origination. |  |  | 11/14/2025 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2142315 | XXX |  | 36480858 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Additional Funds required to meet closing requirements | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]% | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-06): Waived with compensating factors per lender approved exception.<br>Reviewer Comment (2026-03-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted].<br>Buyer Comment (2026-03-04): Loe from attorney and closing agent<br>Buyer Comment (2026-03-04): copy of check<br>Buyer Comment (2026-03-04): exception<br>Reviewer Comment (2026-03-03): No new document received. Provide statement of account, evidencing clearance of check [redacted]to the title. Exception remains.<br>Buyer Comment (2026-02-27): The $[redacted]check was cashed by title .<br>Reviewer Comment (2026-02-26): Please provide further explanation for the uncashed check.<br>Buyer Comment (2026-02-24): check $[redacted]<br>Buyer Comment (2026-02-24): response to findings<br>Buyer Comment (2026-02-24): exception<br>Reviewer Comment (2026-01-23): Appraisal invoice of $[redacted]updated. Qualifying Assets for Closing $[redacted]and required assets $[redacted]. Exception remains<br>Buyer Comment (2026-01-21): [redacted]appraisal invoice paid by CC |  |  | 03/06/2026 | 2 C B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXX | 2144099 | XXX |  | 36480861 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2026-03-02): Provided hazard insurance policy which was in effect at the time of closing. Exception cleared.<br>Buyer Comment (2026-02-26): HOI<br>Reviewer Comment (2026-01-05): Provided HOI policy is for windstorm and hail only. Require Hazard Insurance Policy for dwelling. Exception remains.<br>Buyer Comment (2025-12-31): [redacted]-Please see attached | 03/02/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144099 | XXX |  | 36480863 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Please provide fully executed Note. |  |  |  | Reviewer Comment (2026-01-05): Received Note. Exception Cleared.<br>Buyer Comment (2025-12-31): [redacted]-Note | 01/05/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2139106 | XXX |  | 36480866 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-01-07): Certificate of Good Standing (not required for LLCs formed within last [redacted]months). Exception cleared.<br>Buyer Comment (2026-01-03): [redacted]-Please see attached referenced guidelines<br>Buyer Comment (2026-01-03): Please see attached | 01/07/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142319 | XXX |  | 36480869 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Known Defect : Rent history for last [redacted] months can't be documented due to paying rent in cash. Private VOR was obtained in lien of [redacted] months documented timely rent payments.<br>Condition of approval : we will require a proper final full tri-merged credit report. the credit report received for the exception was an " instant Merge Prequal report ". | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2026-01-02): Waived with compensating factors per lender exception approval at origination. |  |  | 01/02/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142319 | XXX |  | 36480870 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a dated Certificate of Good Standing. |  |  |  | Reviewer Comment (2026-01-16): Cleared with COGS and processor cert.<br>Buyer Comment (2026-01-14): See attached<br>Buyer Comment (2026-01-14): signed copy attached<br>Reviewer Comment (2026-01-14): Provided business entity listing is not signed. Exception Remains.<br>Buyer Comment (2026-01-12): See attached | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142319 | XXX |  | 36480871 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Note reflects [redacted] for the city and the HOI reflects [redacted]. |  |  |  | Reviewer Comment (2026-01-16): Received Hazard Insurance. Exception Cleared.<br>Buyer Comment (2026-01-14): HOI attached<br>Reviewer Comment (2026-01-14): Provided HOI reflects address [redacted]. Please provide hazard insurance with note property address. Exception Remains.<br>Buyer Comment (2026-01-12): City of [redacted] has been added to description of Property section of the Insurance Binder, see attached. | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142319 | XXX |  | 36480872 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Note reflects [redacted] for the city and the Flood Certificate reflects [redacted]. |  |  |  | Reviewer Comment (2026-01-14): Received Flood Certificate. Exception Cleared.<br>Buyer Comment (2026-01-12): See attached | 01/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142319 | XXX |  | 36480873 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The Note reflects [redacted] for the city and the appraisals both reflect [redacted]. |  |  |  | Reviewer Comment (2026-01-14): Received Correct Appraisal and CDA. Exception Cleared<br>Buyer Comment (2026-01-12): Corrected Appraisal and CDA attached | 01/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142380 | XXX |  | 36480876 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-14): Provided 1008 with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-01-12): uw discretion | 01/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144110 | XXX |  | 36480881 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-02-17): Received OFAC for the borrowing entity. Exception Cleared.<br>Buyer Comment (2026-02-13): See attached | 02/17/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142359 | XXX |  | 36480883 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. |  |  |  | Reviewer Comment (2026-02-23): Received Final title policy with correct loan amount. Exception cleared.<br>Buyer Comment (2026-02-19): Title policy. Thank you. | 02/23/2026 |  |  | 1 B A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142359 | XXX |  | 36480884 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-02-23): Received Final title policy with correct loan amount. Exception cleared. | 02/23/2026 |  |  | 1 A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142359 | XXX |  | 36480885 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different. |  |  |  | Reviewer Comment (2026-02-17): Received Non-Owner occupancy certificate with address. Exception Cleared.<br>Buyer Comment (2026-02-13): See form attached with section [redacted]completed. | 02/17/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142359 | XXX |  | 36480886 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Estimated statement provided. File is missing signed and dated HUD/CD. |  |  |  | Reviewer Comment (2026-03-06): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-04): Final [redacted] attached. Thank you. | 03/06/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142390 | XXX |  | 36480889 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of spouse's mortgage or current lease. If owned free and clear a property profile is acceptable. |  |  |  | Reviewer Comment (2026-02-19): Received signed note for primary residence as evidence of spouse's mortgage. Exception cleared.<br>Buyer Comment (2026-02-17): note | 02/19/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142373 | XXX |  | 36480892 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final 1003 reflects borrower owns primary residence but LOX from spouse provided stating borrower lives rent free. Provide property profile report to verify ownership. |  |  |  | Reviewer Comment (2026-02-23): Proeprty profile shows the borrower as a primary owner of the primary residence.<br>Reviewer Comment (2026-02-23): Property profile reflects borrower as primary owner since [redacted]. Exception Remains.<br>Buyer Comment (2026-02-19): Property profile | 02/23/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144103 | XXX |  | 36480896 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing deed signed at closing transferring ownership to our borrower. |  |  |  | Reviewer Comment (2026-02-27): Executed warranty deed received transferring ownership to our borrower. Exception Cleared.<br>Buyer Comment (2026-02-25): Signed Deed. | 02/27/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142396 | XXX |  | 36480899 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-27): Received 1008 UW Discretion. Exception Cleared.<br>Buyer Comment (2026-02-25): UW discretion | 02/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144093 | XXX |  | 36480900 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | Missing Asset Document to cover sufficient reserves. |  |  |  | Reviewer Comment (2026-02-27): Bank statement received and now funds are sufficient to meet requirement. Exception Cleared.<br>Buyer Comment (2026-02-25): Per matrix, no reserves are required. | 02/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144093 | XXX |  | 36480901 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Due to insufficient asset documentation. Required Asset Document to cover sufficient reserves. |  |  |  | Reviewer Comment (2026-02-27): Bank statement received and now funds are sufficient to meet cash from borrower requirement. Exception Cleared.<br>Buyer Comment (2026-02-25): corp docs<br>Buyer Comment (2026-02-25): Bank statement | 02/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144093 | XXX |  | 36480903 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. |  | Asset documentation is missing in the Loan file and exception raised for the same. |  |  |  | Reviewer Comment (2026-02-27): Bank statement received and now funds are sufficient to meet requirement. Exception Cleared.<br>Buyer Comment (2026-02-25): see attached docs | 02/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144094 | XXX |  | 36480905 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide evidence of signing authority for the Guarantor. Document is required to be signed by all entity owners. |  |  |  | Reviewer Comment (2026-02-27): Received Borrowing Certificate in the file. Exception Cleared.<br>Buyer Comment (2026-02-25): Borrower cert | 02/27/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2142370 | XXX |  | 36480907 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Co-borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing for credit exception. |  |  |  | Reviewer Comment (2026-03-02): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-02-26): UW discretion | 03/02/2026 |  |  | 1 C A D |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142370 | XXX |  | 36480908 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All liens must be paid in full at or prior to closing |  |  |  | Reviewer Comment (2026-03-02): Satisfaction of judgment letter received and verified the details. Exception Cleared.<br>Buyer Comment (2026-02-26): judgement letter | 03/02/2026 |  |  | 1 B A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142370 | XXX |  | 36480909 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | DSCR [redacted] due to missing [redacted] verification of rent. Security deposit not cleared on bank statement. |  |  |  | Reviewer Comment (2026-03-04): Updated document provided showing security deposit as cleared and DSCR is calculated correctly considering higher rent. Exception Cleared.<br>Buyer Comment (2026-03-02): security deposit cleared<br>Reviewer Comment (2026-03-02): As per fraud report co-borrower owns the property hence this is not first-time investor case. Secondly as per approval DSCR is >[redacted]however to calculate the same, we need bank statement showing security deposit to be cleared. Now it is reflecting as processing under Doc ID [redacted]under account #[redacted]. Please provide updated bank statement showing security deposit as cleared post that FICO will be updated using matrix for DSCR >[redacted]. Exception remains. | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142370 | XXX |  | 36480910 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Minimum FICO [redacted] for first time investors. |  |  |  | Reviewer Comment (2026-03-04): As per fraud report co-borrower owns the property hence this is not first-time investor case. DSCR is >[redacted] and as per matrix minimum FICO requirement is [redacted]. Exception Cleared.<br>Buyer Comment (2026-03-02): see attached evidence security deposit cleared<br>Reviewer Comment (2026-03-02): As per fraud report co-borrower owns the property hence this is not first-time investor case. Secondly as per approval DSCR is >[redacted]however to calculate the same, we need bank statement showing security deposit to be cleared. Now it is reflecting as processing under Doc ID [redacted]under account #[redacted]. Please provide updated bank statement showing security deposit as cleared post that FICO will be updated using matrix for DSCR >[redacted]. Exception remains.<br>Buyer Comment (2026-02-26): Per fraud report, Co-Borrower is experienced investor. He has owned multiple investment properties. | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142350 | XXX |  | 36480912 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Borrower current address is not provided in Certification of Non-Owner occupancy column [redacted]. |  |  |  | Reviewer Comment (2026-03-04): Received Occupancy Certificate with borrower address. Exception Cleared.<br>Buyer Comment (2026-03-02): Non-Owner | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142350 | XXX |  | 36480914 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify [redacted] [redacted]' mortgage history for the subject property. Please provide payment history or verification of mortgage from [redacted]. |  |  |  | Reviewer Comment (2026-03-05): Prior Note and evidence of extensions in file verifying it is a Balloon Note and no monthly payments were required.<br>Reviewer Comment (2026-03-04): Please provide payment history or verification of mortgage to verify [redacted]month's mortgage history. Exception remains.<br>Buyer Comment (2026-03-02): Balloon note | 03/05/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142350 | XXX |  | 36480915 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-03-04): Received OFAC for the borrowing entity. Exception Cleared.<br>Buyer Comment (2026-03-02): ofac | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142329 | XXX |  | 36480917 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-09): Received final closing statement signed by all parties. Exception cleared.<br>Buyer Comment (2026-03-05): See attached. Thank you. | 03/09/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142329 | XXX |  | 36480918 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Borrower is a first time investor which requires a [redacted] FICO score. |  |  |  | Reviewer Comment (2026-03-06): As per matrix attached [redacted]score is acceptable for DSCR < [redacted]%. Exception Cleared.<br>Buyer Comment (2026-03-04): Please see matrix attached [redacted]score is acceptable w/a dscr ratio of .[redacted]% & a ltv of [redacted]%. Thank you. | 03/06/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2144086 | XXX |  | 36480920 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-03-13): CS<br>Buyer Comment (2026-03-13): Please see attached corrected name on HUD. Thank you.<br>Reviewer Comment (2026-03-06): Final Closing Statement received however borrower name is reflecting as [redacted]instead of business entity [redacted]. Exception remains.<br>Buyer Comment (2026-03-04): Please see [redacted]attached. Thank you. | 03/13/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2142340 | XXX |  | 36480923 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Provide coverage that at minimum covers the loan amount or verify the coverage contains [redacted] replacement cost or provide [redacted]. |  |  |  | Reviewer Comment (2026-03-06): RCE proivded.<br>Buyer Comment (2026-03-04): RCE<br>Buyer Comment (2026-03-04): [redacted]% replacement cost | 03/06/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142363 | XXX |  | 36480933 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-03-04): Received Occupancy Certificate. Exception Cleared.<br>Buyer Comment (2026-03-02): Non-owner | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2142397 | XXX |  | 36480935 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2026-03-03): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-02-27): Final SS | 03/03/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142397 | XXX |  | 36480936 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2026-03-12): Corrected 1003 provided showing borrower as a US citizen. Exception cleared.<br>Buyer Comment (2026-03-10): certificate<br>Buyer Comment (2026-03-10): revised 1003<br>Reviewer Comment (2026-03-06): Permanent resident card is required per guidelines.<br>Buyer Comment (2026-03-04): Naturalization papers | 03/12/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142397 | XXX |  | 36480937 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing [redacted][redacted] housing history for primary residence. VOM in file not in the borrowers name. |  |  |  | Reviewer Comment (2026-03-03): Received updated property history report with the status of mortgage on page #[redacted]showing released. Exception Cleared<br>Buyer Comment (2026-02-27): property profile | 03/03/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142345 | XXX |  | 36480939 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-03-03): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-02-27): UW discretion | 03/03/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142367 | XXX |  | 36480942 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Notary's commission expiration date is missing from the Security Instrument. |  |  |  | Reviewer Comment (2026-03-06): Received Notary's commission expiration date. Exception cleared.<br>Buyer Comment (2026-03-04): dot | 03/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142367 | XXX |  | 36480943 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-03): Final closing statement signed by all the parties is provided with the initial package. Exception cleared.<br>Buyer Comment (2026-02-27): [redacted]is signed by all parties | 03/03/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142385 | XXX |  | 36480945 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Notary's commission expiration date is missing from the Security Instrument. |  |  |  | Reviewer Comment (2026-03-03): Received security instrument with Notary's commission expiration date. Exception cleared.<br>Buyer Comment (2026-02-27): DOT | 03/03/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142385 | XXX |  | 36480946 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-09): Received Closing statement. Exception Cleared.<br>Buyer Comment (2026-03-05): Final SS | 03/09/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142357 | XXX |  | 36480948 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent-free letter was in the file; however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-03-04): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-02): UW discretion | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142401 | XXX |  | 36480950 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of Notary expiration date on Security Instrument. |  |  |  | Reviewer Comment (2026-03-06): Provided security instrument with Notary expiration date. Exception cleared.<br>Buyer Comment (2026-03-04): [redacted] | 03/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142401 | XXX |  | 36480951 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-04): Received Closing statement. Exception Cleared.<br>Buyer Comment (2026-03-02): Final SS | 03/04/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142398 | XXX |  | 36480953 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing appraisal invoice for [redacted] |  |  |  | Reviewer Comment (2026-03-10): Received updated closing statement with the POCB $[redacted]for appraisal fee, and for same appraisal fee invoice available in the file. Exception Cleared.<br>Buyer Comment (2026-03-06): revised final SS | 03/10/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2142398 | XXX |  | 36480954 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the Operating Agreements from [redacted] and [redacted] in order to confirm ownership percentages. |  |  |  | Reviewer Comment (2026-03-04): Bylaw for [redacted] and [redacted] is already available at initial review to verify ownership %. Exception Cleared.<br>Buyer Comment (2026-03-02): By-Laws [redacted]& [redacted] | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2142320 | XXX |  | 36480956 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing for guideline exception. |  |  |  | Reviewer Comment (2026-03-09): Received 1008 with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-03-05): See underwriters 1008 with rent free comments. | 03/09/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142320 | XXX |  | 36480957 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-09): Received Closing statement signed by all the parties. Exception Cleared.<br>Buyer Comment (2026-03-05): [redacted] attached | 03/09/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142333 | XXX |  | 36480959 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Tax liens are required to be paid at or prior to closing. |  |  |  | Reviewer Comment (2026-03-04): Received lien search report per which lien is paid in full on [redacted]. Exception cleared.<br>Buyer Comment (2026-03-02): judgement paid<br>Buyer Comment (2026-03-02): BLK [redacted]pg [redacted]cancellation | 03/04/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXX | 2142371 | XXX |  | 36480961 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted] is missing the principal residence address. |  |  |  | Reviewer Comment (2026-03-04): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-03-02): Non-Owner | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142353 | XXX |  | 36480967 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted] is missing the principal residence address. |  |  |  | Reviewer Comment (2026-03-04): Provided Non-Owner Occupancy Declaration with primary residence address. Exception cleared.<br>Buyer Comment (2026-03-02): Non-Owner | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142353 | XXX |  | 36480968 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-03-04): Provided 1008 form with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-03-02): UW discretion | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142344 | XXX |  | 36480974 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated provided |  |  |  | Reviewer Comment (2026-03-04): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-03-02): Final SS | 03/04/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142344 | XXX |  | 36480975 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-04): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-02): UW discretion | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142362 | XXX |  | 36480977 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month pay history for the subject property. |  |  |  | Reviewer Comment (2026-03-05): Received Verification of Mortgage for the subject property in the file. Exception Cleared.<br>Buyer Comment (2026-03-03): VOM | 03/05/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144088 | XXX |  | 36480978 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in Loan File. |  |  |  | Reviewer Comment (2026-03-13): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2026-03-11): Final SS<br>Reviewer Comment (2026-03-10): Received Seller Closing statement. Please provide final closing statement fully executed by the all parties or stamped true and certified. Exception Remains.<br>Buyer Comment (2026-03-06): Final SS<br>Reviewer Comment (2026-03-05): Provided closing statement is not legible. Please provide legible executed copy. Exception remains.<br>Buyer Comment (2026-03-03): final SS | 03/13/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142400 | XXX |  | 36480981 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Credit Report is missing in Loan file. Cannot Identify Borrower's Credit Score. |  |  |  | Reviewer Comment (2026-03-05): Received Credit Report. FICO requirement met. Exception cleared.<br>Buyer Comment (2026-03-03): credit report | 03/05/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142400 | XXX |  | 36480982 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing Credit Report in the Loan File. |  |  |  | Reviewer Comment (2026-03-05): Received Credit Report. Exception cleared.<br>Buyer Comment (2026-03-03): see attached credit report | 03/05/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144109 | XXX |  | 36480987 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. |  | Provided Incorrect Notary Date [redacted] on Security Instrument, please provide corrected notary Date on Security Instrument. |  |  |  | Reviewer Comment (2026-03-26): Security Instrument received with correct notary date on it. Exception Cleared.<br>Buyer Comment (2026-03-24): Please see attached. Thank you. | 03/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144109 | XXX |  | 36480988 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent-free letter was in the file; however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-03-26): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-03-24): Please see final 1008 with rent free commentary. | 03/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144109 | XXX |  | 36480989 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-03-26): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-03-24): Section [redacted]completed. Thank you. | 03/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2142375 | XXX |  | 36480992 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Provide date that the judgment with [redacted] was released. Document provided is not dated. |  |  |  | Reviewer Comment (2026-03-10): Received HUD verifying judgment payoff. Exception cleared.<br>Buyer Comment (2026-03-06): Please see [redacted] attached reflecting payoff of judgement. Thank you. | 03/10/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2142324 | XXX |  | 36480995 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a property history report to evidence the primary residence is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-03-09): Property history report received for primary residence showing property is free and clear. Exception Cleared.<br>Buyer Comment (2026-03-05): Please see property profile reflecting free & clear & taxes current. Thank you. | 03/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142331 | XXX |  | 36480997 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a full [redacted] pay history for the primary residence meeting guidelines. The print out provided only covers [redacted] and [redacted] is required along with [redacted] of bank statements/Cancelled checks front and back to verify timely payments. Or provide a fully completed VOM from the lender. |  |  |  | Reviewer Comment (2026-03-09): Mortgage statements for remaining payments.<br>Buyer Comment (2026-03-09): [redacted]& [redacted]reports the mtg history for [redacted]<br>Reviewer Comment (2026-03-09): Credit report covers payment history till [redacted]. Require [redacted]payment receipt to verify it was timely paid. Exception remains.<br>Buyer Comment (2026-03-05): [redacted]credit reports the mtg | 03/09/2026 |  |  | 1 C A D |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142331 | XXX |  | 36480998 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide stock certificates to evidence ownership percentages of the borrowing entity. |  |  |  | Reviewer Comment (2026-03-09): Received share certificate along with minutes of the director's meeting. Exception cleared.<br>Buyer Comment (2026-03-05): Stock certificate | 03/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142391 | XXX |  | 36481001 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2026-03-10): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-03-06): Final | 03/10/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144062 | XXX |  | 36481017 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Provide a fully executed sales contract. |  |  |  | Reviewer Comment (2026-03-16): Received purchase contract with property address, lot number and purchase price. Exception cleared.<br>Buyer Comment (2026-03-12): Purchase price is listed on the job initiation order<br>Reviewer Comment (2026-03-12): Purchase price, property lot description is not specified in provided purchase contract. Please provide complete purchase contract. Exception remains.<br>Buyer Comment (2026-03-10): purchase contract | 03/16/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2144062 | XXX |  | 36481018 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a Certificate of Good Standing dated within [redacted] days of the Note date. |  |  |  | Reviewer Comment (2026-03-12): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2026-03-10): cogs | 03/12/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2144081 | XXX |  | 36481021 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion and evidence of the LLPA for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-23): Deed verifying ownership.<br>Buyer Comment (2026-03-23): The property history report misspelled the property owner. Per recorder website the deed reports [redacted] (see attached screen shot of the deed). Borrowers are the owners of [redacted]. Per the [redacted] business entity search, [redacted] does not exist.<br>Buyer Comment (2026-03-23): deed<br>Buyer Comment (2026-03-23): pg [redacted] deed<br>Reviewer Comment (2026-03-16): Property history report states the property is owned by [redacted]. Provide verification that the Guarantor owns [redacted].<br>Buyer Comment (2026-03-12): Property profile<br>Reviewer Comment (2026-03-12): Received property taxes paid for the recent year. Require property profile report for verification of property being free and clear. Exception remains.<br>Buyer Comment (2026-03-10): Per tax cert, Borrower owns their primary residence.<br>Buyer Comment (2026-03-10): tax cert | 03/23/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144108 | XXX |  | 36481023 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. |  | Blanket Policy Expiration Date is less than [redacted] days of the Note Date. Please provide a renewed policy. |  |  |  | Reviewer Comment (2026-03-26): Received renewed master policy. Exception cleared.<br>Buyer Comment (2026-03-24): Master ins<br>Reviewer Comment (2026-03-12): Provided renewed master condo policy. Mortgagee clause is not mentioned on the policy. Exception remains.<br>Buyer Comment (2026-03-10): Master Condo | 03/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144066 | XXX |  | 36481027 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2026-03-12): Revised 1003 received and Citizenship verified as US Citizen. Exception Cleared.<br>Buyer Comment (2026-03-10): US citizen - Cert of Naturalization | 03/12/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144066 | XXX |  | 36481028 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: [redacted] Source Documentation was not provided |  |  |  |  |  | Reviewer Comment (2026-03-12): Revised 1003 received and Citizenship verified. Exception Cleared.<br>Buyer Comment (2026-03-10): certificate<br>Buyer Comment (2026-03-10): revised 1003 | 03/12/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144066 | XXX |  | 36481029 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing [redacted]month housing history for primary residence. Or, provide a proeprty history report verifying the primary residence is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-03-16): Received property history report showing borrower owns the property and is free and clear with taxes paid current. Exception cleared.<br>Buyer Comment (2026-03-12): Property profile report.<br>Buyer Comment (2026-03-12): Borrower owns the property<br>Reviewer Comment (2026-03-12): Provided VOM was already available on file at initial review. The mortgage is not in the name of borrower. If borrower is living rent free then please provide underwriter discretion along with rent free letter. Exception remains.<br>Buyer Comment (2026-03-10): VOM | 03/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2142382 | XXX |  | 36481031 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2026-03-11): Final closing statement received.<br>Reviewer Comment (2026-03-10): Provide the final closing statement fully executed by all the parties or stamped true and certified. Copy provided is not signed by all parties. Exception Remains.<br>Buyer Comment (2026-03-06): Final SS | 03/11/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2142382 | XXX |  | 36481032 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Please provide evidence that the tax lien for $[redacted] was satisfied and/or released. |  |  |  | Reviewer Comment (2026-03-10): Received Satisfaction of lien or Judgment. Exception Cleared.<br>Buyer Comment (2026-03-06): release | 03/10/2026 |  |  | 1 B A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2144074 | XXX |  | 36481034 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of funds for EMD of $[redacted]. |  |  |  | Reviewer Comment (2026-03-16): Bank statements and copies of cancelled checks.<br>Reviewer Comment (2026-03-13): File is missing source documentation for EMD funds $[redacted]. Exception remains<br>Buyer Comment (2026-03-11): [redacted]EM receipt, [redacted]$[redacted]check , [redacted]$[redacted]check =$[redacted] | 03/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144076 | XXX |  | 36481038 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-03-12): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-03-10): Final SS | 03/12/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144076 | XXX |  | 36481039 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation is required. |  |  |  | Reviewer Comment (2026-03-16): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2026-03-12): corp resolution signed by [redacted].<br>Reviewer Comment (2026-03-12): Corporate Resolution provided is not signed by all members. Provide Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation. Exception remains<br>Buyer Comment (2026-03-10): corp resolution | 03/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144085 | XXX |  | 36481041 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month pay history for the primary residence from [redacted]. |  |  |  | Reviewer Comment (2026-03-11): LOX Property history report, mortgage statement and Identification.<br>Buyer Comment (2026-03-09): loe regarding mtg | 03/11/2026 |  |  | 1 C A D |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2144085 | XXX |  | 36481042 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee is required to read [redacted] but it reads [redacted]. Provide updated Declaration page verifying the correct mortgagee. |  |  |  | Reviewer Comment (2026-03-11): Corrected mortgagee on [redacted] page.<br>Buyer Comment (2026-03-10): HOI | 03/11/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2144105 | XXX |  | 36481044 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-03-13): Received OFAC for the borrowing entity in the file. Exception Cleared.<br>Buyer Comment (2026-03-11): fraud summary | 03/13/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144096 | XXX |  | 36481045 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Appraisal Invoice is missing in file. |  |  |  | Reviewer Comment (2026-03-13): Received Appraisal Invoice. Exception Cleared.<br>Buyer Comment (2026-03-11): appraisal invoice | 03/13/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144087 | XXX |  | 36481050 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-03-25): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-23): Please see attached 1008/Transmittal Summary with UW Discretion for borrower living rent free. clear the exception | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144071 | XXX |  | 36481053 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of an LLPA and UW discretion for borrower living rent free with other than a spouse. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2026-03-25): Waived with compensating factors per lender approved exception received in trailing docs.<br>Reviewer Comment (2026-03-23): Need evidence of the [redacted]for living rent free.<br>Buyer Comment (2026-03-19): Please see attached |  |  | 03/25/2026 | 2 C B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXX | 2144091 | XXX |  | 36481057 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated [redacted]/Settlement Statement. |  |  |  | Reviewer Comment (2026-03-20): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-18): Please find attached the final settlement statement ([redacted]). | 03/20/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144091 | XXX |  | 36481058 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted]Final is incomplete |  | Provide a borrower signed [redacted]/Credit Application. |  |  |  | Reviewer Comment (2026-03-25): Provided signed & dated final credit application. Exception cleared.<br>Buyer Comment (2026-03-23): Please find attached the 1003 with all pages.<br>Reviewer Comment (2026-03-20): Provided credit application is executed however [redacted]st page is missing. Exception remains.<br>Buyer Comment (2026-03-18): Please find attached signed 1003 | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144091 | XXX |  | 36481059 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing for credit exception. |  |  |  | Reviewer Comment (2026-03-25): Provided 1008 form with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-03-23): Please find attached the 1008<br>Reviewer Comment (2026-03-20): Provided Letter of explanation was already available on file at initial review. Provide evidence of UW discretion for borrower living rent free with other than a spouse. Exception remains.<br>Buyer Comment (2026-03-18): Please find attached the LOE. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144091 | XXX |  | 36481060 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-03-20): Project approval received in trailing docs.<br>Buyer Comment (2026-03-18): Please find attached the documentation confirming the condo is warrantable. | 03/20/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144080 | XXX |  | 36481069 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-03-25): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-23): Please see attached 1008/Transmittal Summary with UW Discretion for borrower living rent free. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144077 | XXX |  | 36481074 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted]is missing the principal residence address. |  |  |  | Reviewer Comment (2026-03-17): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-03-13): Please see attached | 03/17/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2144092 | XXX |  | 36481076 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the Appraisal Invoice from [redacted] Mortgage. |  |  |  | Reviewer Comment (2026-03-19): Appraisal Invoice from [redacted] received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-17): FPA as requested | 03/19/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144092 | XXX |  | 36481077 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final [redacted] |  | The file is missing the final [redacted]. Copy in file is an estimate. |  |  |  | Reviewer Comment (2026-03-19): Final HUD.<br>Buyer Comment (2026-03-18): PFA | 03/19/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2145928 | XXX |  | 36481080 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-03-19): Received OFAC for business entity. Exception Cleared.<br>Buyer Comment (2026-03-17): Please find attached the OFAC. | 03/19/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |

---

## Exhibit 99.01

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

**Exhibit 99.01**

**Schedule 3. AMC Valuation Summary Report**

![](situs-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 6/1/2026 5:29:14 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** |
| XXX | 1080841 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2131543 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2131533 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2131552 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2131500 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2131534 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXX | 2132180 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2129464 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2129434 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2126784 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2126814 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2129469 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 2126828 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2126802 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2126803 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 2132444 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 2132431 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2132440 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2132430 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 2132445 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2140040 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2140051 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2140038 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2140039 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXX | 2140043 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2140048 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2140041 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2140047 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2140044 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2140049 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| XXX | 2140046 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2140042 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2140045 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| XXX | 2140052 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2140050 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2159503 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2159504 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2144630 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2151752 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2151751 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2151756 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.90 |
| XXX | 2151757 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXX | 2155481 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 1.210% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2139109 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXX | 2153426 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2153423 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| XXX | 2153425 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2153424 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2153420 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2153422 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2153421 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2153427 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2153428 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2156429 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2159519 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.730% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2156430 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156431 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2156432 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2156433 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2159510 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXX | 2159505 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2159507 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2159509 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2159506 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2151857 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.570% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXX | 2151861 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2151858 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2151862 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXX | 2151871 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2151866 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 2151864 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2151859 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2151870 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2151863 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| XXX | 2151860 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | 2151865 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXX | 2151856 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2151867 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 999.00 |
| XXX | 2151869 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 2151868 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| XXX | 2144113 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2131453 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2139108 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144100 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142360 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142388 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2142315 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 2142381 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.620% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144099 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142316 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2139106 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142317 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 2142319 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2129438 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142380 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142365 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2139100 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144112 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2144110 | XXX |  |  |  |  |  |  |  | 7.550% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| XXX | 2142359 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2142390 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142386 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142373 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142322 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2139099 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144103 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | 2142396 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXX | 2144093 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2144094 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142370 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 2142368 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142350 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 2142329 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2144086 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142335 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 2142340 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.50 |
| XXX | 2142369 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 2142394 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142363 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | 2142397 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142345 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142384 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142367 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142385 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 2142357 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142401 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142398 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2142320 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 2142333 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142371 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.460% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXX | 2142366 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2142353 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142337 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142364 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 2142344 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142362 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144088 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142332 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 2142400 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142378 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.520% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXX | 2144109 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142375 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142324 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 2142331 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2142352 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142391 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 2142342 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144104 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144063 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144106 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144062 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXX | 2144081 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXX | 2144108 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXX | 2144115 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 2144066 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142374 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXX | 2142382 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 2144074 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2142343 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2144076 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144085 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144105 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144096 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXX | 2142321 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142339 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144083 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXX | 2144087 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXX | 2142354 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144071 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2145927 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2144075 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142341 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144091 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2144084 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXX | 2144080 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142323 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2144082 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144077 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144092 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2145928 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142330 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXX | 2144064 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144072 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.01

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

**Exhibit 99.01**

**Schedule 4. AMC Supplemental Data Report**

![](situs-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 6/1/2026 5:29:15 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** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| XXX | 1080841 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2131543 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2131533 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2131552 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2131500 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2131534 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2132180 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2129464 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2129434 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2126784 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2126814 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2129469 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2126828 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2126802 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2126803 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2132444 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2132431 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2132440 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2132430 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2132445 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2140040 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; 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 - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | Yes | No |  |  |  | XXX | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140051 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Broker |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140038 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140039 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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]; Account Statements - Personal - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140043 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140048 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Broker |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140041 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | XXX | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | XXX | XXX |
| XXX | 2140047 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140044 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | XXX | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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 - Partnership (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<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%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140049 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140046 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140042 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2140045 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Short Form | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2140052 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2140050 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159503 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<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 - 2017<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 - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159504 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026<br> [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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144630 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151752 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151751 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151756 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151757 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155481 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 711 | 802 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2139109 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153426 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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]; 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<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]; 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) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | Yes |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153423 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | XXX | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153425 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<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 - 2026<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 - 2026<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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153424 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  |  |  | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153420 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153422 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153421 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2153427 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2153428 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156429 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<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 - Year Not Available | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | VantageScore 2 | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159519 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | XXX | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Transcripts - No Results Returned (for Business) - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Transcripts - No Results Returned (for Business) - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 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) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | XXX | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156430 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - Business - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2022<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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156431 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 |  | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156432 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; Third Party Verification - Year Not Available | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156433 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 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 | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159510 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2159505 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2159507 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  |  |  | XXX | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159509 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<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 - Year Not Available<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 - Year Not Available<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 - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Short Form | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159506 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151857 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151861 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | FICO Classic V5 Facta | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | XXX | XXX |
| XXX | 2151858 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [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 - 2026<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 - 2026<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 - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 |  | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  |  |  | XXX | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151862 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151871 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151866 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151864 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151859 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - \| 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 - 2026<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 - 2026<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]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<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 - 2026<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 - 2026<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]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<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 - 2026<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 - 2026<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]; Telephone Listing / Internet Search / Directory Assistance - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151870 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [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 - 2026<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 - 2026<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 - 2026<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 - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-T - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-T - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151863 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151860 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151865 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151856 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151867 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2151869 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151868 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144113 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2131453 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2139108 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144100 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142360 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142388 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142315 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142381 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144099 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142316 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2139106 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142317 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142319 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2129438 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142380 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142365 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2139100 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144112 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144110 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142359 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142390 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142386 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142373 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142322 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Broker |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2139099 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144103 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142396 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144093 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144094 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142370 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142368 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142350 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142329 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144086 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142335 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142340 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142369 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142394 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142363 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142397 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142345 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142384 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142367 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142385 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142357 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142401 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142398 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142320 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142333 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142371 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142366 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142353 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142337 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142364 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142344 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142362 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144088 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142332 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142400 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142378 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144109 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142375 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142324 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142331 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142352 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142391 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142342 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144104 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144063 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144106 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144062 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144081 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144108 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144115 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144066 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142374 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142382 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144074 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142343 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144076 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144085 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144105 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144096 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142321 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142339 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144083 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144087 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142354 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144071 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2145927 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144075 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142341 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144091 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144084 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 | 0 | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144080 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142323 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144082 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144077 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144092 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2145928 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142330 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144064 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144072 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | $0.00 | $0.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |

---

## Exhibit 99.01

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

**Exhibit 99.01**

**Schedule 5. AMC Business Purpose Report**

![](situs-logo.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 6/1/2026 5:29:17 PM** |

---

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 | 316 | 317 | 318 | 319 | 320 | 321 | 322 | 323 | 324 | 325 | 326 | 327 | 328 | 329 | 330 | 331 | 332 | 333 | 334 | 335 | 336 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 2131543 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131533 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131552 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | First-Time Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131500 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131534 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132180 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 2-Stated/Not Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 2-Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2129464 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2129434 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2126784 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2126814 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2129469 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2126828 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2126802 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2126803 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132444 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132431 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132440 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132430 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132445 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2140042 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2140045 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2140052 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2140050 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144630 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151752 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151751 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151756 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151757 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155481 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Individual |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/08/2025 | 802 | Fair Isaac (VER. 2) | 711 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2139109 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2153424 | XXX |  |  |  |  |  |  | Yes |  | XXX |  |  |  | XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  | XXX | XXX | No | No | No |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | Employed |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2153420 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2153422 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2153421 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2153427 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2153428 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156432 | XXX |  |  |  |  |  |  | Yes |  | XXX |  |  |  | XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  | XXX | XXX | No | No | No |  |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | Employed |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2159510 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2159505 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151858 | XXX |  |  |  |  |  |  | Yes |  | XXX |  |  |  | XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  | XXX | XXX | No |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | Unemployed |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151863 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151860 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151865 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151856 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151867 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151869 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151868 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144113 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131453 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2139108 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144100 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142360 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | Experienced Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142388 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142315 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  | No | Experienced Investor |  |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142381 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144099 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142316 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2139106 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142317 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142319 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2129438 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142380 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142365 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2139100 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144112 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | First-Time Investor | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144110 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142359 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142390 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142386 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  | Individually and as Trustee |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142373 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142322 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2139099 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144103 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142396 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144093 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144094 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142370 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142368 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142350 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142329 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144086 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142335 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142340 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142369 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142394 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142363 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142397 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142345 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142384 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142367 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142385 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142357 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142401 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142398 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142320 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142333 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142371 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142366 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | First-Time Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142353 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  | Individually and as Trustee |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142337 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142364 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142344 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142362 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144088 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142332 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142400 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142378 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144109 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142375 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142324 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142331 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142352 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142391 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142342 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144104 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | First-Time Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144063 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144106 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144062 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144081 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144108 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144115 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144066 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142374 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142382 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144074 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142343 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144076 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144085 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144105 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144096 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142321 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142339 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144083 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144087 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142354 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144071 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2145927 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144075 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142341 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144091 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144084 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144080 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142323 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144082 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144077 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144092 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 2-Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 2-Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2145928 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142330 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144064 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144072 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

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

**Exhibit 99.02**

**Consolidated Analytics, Inc ("CA") Narrative**

**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 behalf of its client, Ellington Management Group, LLC. The review included a total of 44 residential mortgage loans in connection with the securitization identified as EFMT 2026-NQM6 (the "Securitization"). The Review was conducted from July 2025 through February 2026 on mortgage loans originated between October 2022 and December 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

c. Review borrower's occupancy

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

f. Confirm that Final 1003 is sufficiently completed

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

h. Confirm Loan Approval conditions were met

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;i. 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

&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 (44 loans in total):

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 an additional valuation product along with a Reconciliation of the values was completed. There were four (4) occurrences of this.

BPOs or AVMs were obtained for loans seasoned 24 or more months at the time of review.

Nine (9) loans had an AVM, nine (9) loans had a Desktop Review, and zero (0) loans had a BPO.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the forty-four (44) mortgage loans reviewed, thirty-six (36) unique mortgage loans (81.82% by loan count) had a total of forty-two (42) discrepancies across six (6) 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;33 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;Convertible ARM Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**42** | &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 | 33 | $29151612.00 | 75.00% |
| Event Grade B | 8 | $7837200.00 | 18.18% |
| Event Grade C | 3 | $3550000.00 | 6.82% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 44 | $40538812.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 40 | 90.91% |
| Event Grade B | 4 | 9.09% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 44 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 1 loan within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 1 loan within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 1 loan within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 37 | 86.05% |
| Event Grade B | 3 | 6.98% |
| Event Grade C | 3 | 6.98% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 43 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 43 | 97.73% |
| Event Grade B | 1 | 2.27% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 44 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**39** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &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;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**40** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**44** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Marketability Issues | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |

---

**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;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &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 99.02

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

**Exhibit 99.02**

**Schedule 1. CA Data Compare Report**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2143924 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial Originator Date of Application = XX/XX/XXXX. Final Signature Date of Application by Borrower = XX/XX/XXXX. |
| 2143779 |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per application |
| 2143932 |  |  | Borrower 1 Self-Employment Flag | XXX | XXX | There is no AUS so updated Self Employment Flag has No |
| 2143921 |  |  | Convertible ARM Flag | XXX | XXX | Not a convertible ARM. |
| 2143773 |  |  | Property Type | XXX | XXX | Appraisal States sfd |
| 2143796 |  |  | Property Type | XXX | XXX | Audited Subject is a PUD confirmed with the Appraisal, PUD and the ridder on the mortgage. |
| 2143801 |  |  | Property Type | XXX | XXX | confirmed detached single family per appraisal page XXX |
| 2143812 |  |  | Property Type | XXX | XXX | Data verified- |
| 2143820 |  |  | Property Type | XXX | XXX | Per appraisal, subject is SF Detached. |
| 2143832 |  |  | Property Type | XXX | XXX | Subject property is a PUD per appraisal pg. XXX |
| 2143849 |  |  | Property Type | XXX | XXX | Reviewed and Audited |
| 2143850 |  |  | Property Type | XXX | XXX | Auditor reviewed the appraisal subject property is XXX property detached property. |
| 2143863 |  |  | Property Type | XXX | XXX | Auditor reviewed the appraisal subject property is XXX |
| 2143825 |  |  | Property Type | XXX | XXX | Per appraisal, subject is PUD SF Detached. |
| 2143822 |  |  | Property Type | XXX | XXX | Per Appraisal |
| 2143836 |  |  | Property Type | XXX | XXX | Audited the subject is a XXX confirmed with the appraisal |
| 2143831 |  |  | Property Type | XXX | XXX | Full appraisal, SFR detached |
| 2143877 |  |  | Property Type | XXX | XXX | XXX is an SFR detached, per appraisal in file |
| 2143868 |  |  | Property Type | XXX | XXX | Updated the XXX according to the Appraisal in file |
| 2143857 |  |  | Property Type | XXX | XXX | This is a SFR detached REO. |
| 2143813 |  |  | Property Type | XXX | XXX | confirmed detached per appraisal page XXX |
| 2143833 |  |  | Property Type | XXX | XXX | Matches true data - Confirmed with appraisal and deed of trust |
| 2143921 |  |  | Property Type | XXX | XXX | Subject property is detached. |
| 2143901 |  |  | Property Type | XXX | XXX | confirmed page XXX |
| 2143904 |  |  | Property Type | XXX | XXX | Subject is detached per appraisal. True data is correct. |
| 2143892 |  |  | Property Type | XXX | XXX | XXX pg.XXX shows SFD |
| 2143937 |  |  | Property Type | XXX | XXX | Detached page XXX |
| 2143936 |  |  | Property Type | XXX | XXX | Per Appraisal detached |
| 2143939 |  |  | Property Type | XXX | XXX | Per Appraisal detached |
| 2143935 |  |  | Property Type | XXX | XXX | Per appraisal prop type is SFR detached |
| 2143930 |  |  | Property Type | XXX | XXX | Property is XXX per appraisal |
| 2143924 |  |  | Property Type | XXX | XXX | Per Appraisal Subject Property = PUD and Detached. |
| 2143925 |  |  | Property Type | XXX | XXX | Confirmed detached with appraisal. |
| 2143933 |  |  | Property Type | XXX | XXX | Per appraisal subject is detached. Tape Data is incorrect |
| 2143845 |  |  | Property Type | XXX | XXX | XXX has been Confirmed and Updated as per Appraisal Document |
| 2143779 |  |  | Property Type | XXX | XXX | Per appraisal property is in a PUD. |
| 2143777 |  |  | Property Type | XXX | XXX | Verified with Appraisal Document |
| 2143773 |  |  | Verified Doc Type | XXX | XXX | Income calc provided is using XXX months Statements |
| 2143833 |  |  | Verified Doc Type | XXX | XXX | Matches true data - Confirmed with bankStatements - XXX months provided |
| 2143900 |  |  | Verified Doc Type | XXX | XXX | Doc type has been updated as per deal guide |
| 2143777 |  |  | Verified Doc Type | XXX | XXX | Verified with Lender calculation. XXX months of XXX accounts are provided |
| 2091069 |  |  | T & I Payment | XXX | XXX | XXX taxes + XXX insurance = XXX TIA |

---

## Exhibit 99.02

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

**Exhibit 99.02**

**Schedule 2. CA Due Diligence Standard Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **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)** |
| 2143773 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.1% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.1% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143773 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.1% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.1% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143773 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.1% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.1% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143796 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143796 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143796 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143801 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/29/2025 | Unable to Resolve | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the initial LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX for the appraisal 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. uploading cure docs | 02/10/2026 | Cure package was provided to the borrower more than XXX days after discovery; unable to downgrade; finding marked as Unable to Resolve.; Cure package provided to the borrower more than XXX days after the discovery date, unable to downgrade | 02/25/2026 | 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 50% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% A | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143801 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | 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 50% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% A | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143801 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 50% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% A | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143812 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/03/2025 | 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 58.33% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143812 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 58.33% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143812 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | 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 58.33% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143820 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP risk is XX/XX/XXXX and FHLMC R&W is not eligible. Missing third-party valuation within XXX% of appraisal value. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/06/2026 | 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 13.89% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2143820 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide previous rental history (prior to current O/O purchase in XX/XX/XXXX) supporting XXX within the last XXX months. | Document Uploaded. sorry about that!; Document Uploaded. see exception approval | 11/05/2025 | Lender exception to waive prior housing payment history approved by XXX on XX/XX/XXXX.; Document did not upload. Attachment is showing a request to download XXX. Please re-upload. | 11/06/2025 | 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 13.89% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2143820 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/03/2025 | 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 13.89% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2143821 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE1442 | Credit | Asset 1 Expired | Asset 1 Expired. Auditor noticed the asset Statement are dated more than XXX days prior to closing. Auditor did not see asset documents within the tolerance. Lender to provide asset documents that have not expired and reflecting sufficient asset for ATR. Assets were XXX days old at time of closing. Exceeded the XXX max. | Document Uploaded. | 11/04/2025 | Asset 1 Not Expired | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143821 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143821 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143832 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Acknowledged | FCOM3849 | 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)). Evidence of the Appraisal Delivery to the Borrower is dated XX/XX/XXXX. Consummation date is XX/XX/XXXX. It is not clear if borrower elected to waive XXX-day waiting period. |  |  | Acknowledged as 2/B grading per client request | 11/03/2025 | 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 39.06% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.06% is less than Guideline LTV of 70% A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2143832 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | 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 39.06% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.06% is less than Guideline LTV of 70% A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2143832 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 39.06% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.06% is less than Guideline LTV of 70% A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2143849 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Acknowledged | FCOM3849 | 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: Provide evidence borrower received appraisal three days prior to consummation or if waived the three day requirement, documentation of such. |  |  | Acknowledged as 2/B grading per client request | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.53% 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 42.53% is less than Guideline LTV of 70% A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2143849 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.53% 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 42.53% is less than Guideline LTV of 70% A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2143849 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.53% 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 42.53% is less than Guideline LTV of 70% A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2143856 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143856 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143856 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143850 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Auditor reviewed the FNMA UCDP and it did not reflect a score. XXX UCDP reflects not eligible. Lender to provide a FNMA UCDP with a score. |  |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. within tolerance ; Document Uploaded. | 02/06/2026 | 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 28.99% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.99% is less than Guideline CLTV of 70% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143850 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | 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 28.99% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.99% is less than Guideline CLTV of 70% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143850 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | 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 28.99% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.99% is less than Guideline CLTV of 70% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143863 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The auditor noted there is FNMA with score of XXX exceed to XXX. This is more than likely why the condition is firing. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 02/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.53% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143863 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.53% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143863 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.53% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143825 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; 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. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Document Uploaded. signed LE; Document Uploaded. The revised LE was FAXED TO THE BORROWER, and the FAX DOCUMENT is attached to the REVISED LE. Reuploading package. | 02/05/2026 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved; The disclosure package provided, which includes a return fax cover sheet, was provided to the consumer electronically. If the consumer returned the document via fax, acknowledged receipt with signature, or disclosure tracking confirms the date the consumer actually received the revised LE, please provide evidence and date of receipt for testing. | 02/07/2026 | 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% B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2143825 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | finding-3634 | 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: Cure of XXX required for addition of discount points. Because the loan failed the Revised LE Delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Therefore, the increase to the Points - Loan Discount Fee on XX/XX/XXXX did not reset baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Document Uploaded. Document Uploaded. The revised LE was FAXED TO THE BORROWER, and the FAX DOCUMENT is attached to the REVISED LE. Reuploading package. | 02/03/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 02/03/2026 | 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% B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2143825 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide verification of previous rental history at XXX XXX (XXX, XXX months) for XXX per monthnthly supporting XXX for the last XXX months. Received VOR for current residence at XXX XXX, however it reflects a start date of XX/XX/XXXX to current when Final 1003 reflects renting for XXX month. | Document Uploaded. sorry about that, thanks.; Document Uploaded. see exception approval | 11/05/2025 | Lender exception approval email provided - Exceptions Pending or Approved: Missing VOR (see email attached as reference). Compensating Factors: Strong Credit History, Low Ratios, Reserves; Credit Approval document did not upload. Please re-upload. | 11/05/2025 | 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% B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2143825 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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% B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2143822 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 11/03/2025 | Unable to Resolve | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX require for increase in underwriting fees without valid COC. Underwriting fees increased from Initial LE dated XX/XX/XXXX to additional revised LE dated same date without COC. Underwriting fee increase prior to COC dated XX/XX/XXXX. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or 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). | Document Uploaded. Uploading cure docs | 02/11/2026 | Cure package was provided to the borrower more than XXX days after discovery; unable to downgrade; finding marked as Unable to Resolve.; Cure package provided to the borrower, however it was not within XXX days of the discovery date; unable to downgrade the exception | 02/25/2026 | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143822 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/31/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Due to CU score XX/XX/XXXX |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/26/2026 | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143822 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/30/2025 | Acknowledged | FCOM3849 | 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 consummation date of XX/XX/XXXX. |  |  | Acknowledged as 2/B grading per client request | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143822 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 11/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143836 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/30/2025 | Unable to Resolve | finding-3634 | 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 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The COC provided does not give an acceptable reason for the increase. | Document Uploaded. see cure docs | 02/10/2026 | Cure package was provided to the borrower more than XXX days after discovery; unable to downgrade; finding marked as Unable to Resolve.; Cure package was provided to the borrower more than XXX days after discovery; unable to downgrade; finding marked as Unable to Resolve. | 02/25/2026 | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143836 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143836 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | 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 | C | C A | C A | C A | C A | C A | C A | C A | C A | C A | C A | C |
| 2143831 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. File contains FNMA UCPD he score is XXX no evidence of a secondary review |  |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. within tolerance ; Document Uploaded. | 02/06/2026 | 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 \| 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 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% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2143831 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Re-Inspection fee. This fee was first disclosed on CD dated XX/XX/XXXX and applicable COC in file is dated XX/XX/XXXX. Fee was not disclosed within XXX days of the 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). | Document Uploaded. See CD to match the XX/XX/XXXX COC | 02/03/2026 | Revised CD provided for COC XX/XX/XXXX. Exception resolved.; Revised CD provided for COC XX/XX/XXXX. Exception resolved. | 02/03/2026 | 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% \| 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% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2143831 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 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% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2143877 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines New IRA Distribution $XXX/mth not received. Client acknowledged. Compensating factors : LTV / IRA distribution will start XX/XX/XXXX. |  |  |  |  | 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 26.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.71% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143877 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | 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 26.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.71% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143877 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | 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 26.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.71% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143868 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Rescinded | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Cure required: The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX An Escrow Pad of XXX was not included within finance charge calculations. Unable to determine if escrow pad is refundable or purpose of pad. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. Please see XXX compliance report attached. Please provide narrative as to what you see that is different from your report, and the reason(s) for the exception. Provide your report, if unable to clear this finding". | 11/12/2025 | Escrow pad was not paid by borrower at disbursement; exception resolved; Escrow pad was not paid by borrower at disbursement; exception resolved | 11/13/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2143868 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Rescinded | finding-3719 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Cure required: The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX An Escrow Pad of XXX was not included within finance charge calculations. Unable to determine if escrow pad is refundable or purpose of pad. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX | Document Uploaded. Please see XXX compliance report attached. Please provide narrative as to what you see that is different from your report, and the reason(s) for the exception. Provide your report, if unable to clear this finding. | 11/12/2025 | Escrow pad was not paid by borrower at disbursement; exception resolved; Escrow pad was not paid by borrower at disbursement; exception resolved | 11/13/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2143868 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Acknowledged | FCOM3849 | 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. |  |  | Acknowledged as 2/B grading per client request | 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 | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2143868 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 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 | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2143868 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 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 | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2143857 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. This is because we have a CU score of XX/XX/XXXX and does not meet the lender's program overlay. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM was not within tolerance; additional product required.; Document Uploaded. | 02/20/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143857 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143857 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143813 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/03/2025 | 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 52% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143813 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 52% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143813 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | 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 52% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143833 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/03/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143833 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143833 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143921 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143921 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143921 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143897 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143897 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143897 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143901 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FCOM3849 | 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)). Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required. | Document Uploaded. | 01/12/2026 | Evidence of appraisal delivery provided. | 01/13/2026 | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2143901 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2143901 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2143904 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/26/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143904 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143904 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143892 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.83% 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 32.83% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143892 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.83% 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 32.83% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143892 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.83% 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 32.83% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143900 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.46% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.46% is less than Guideline LTV of 60% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143900 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FPRO8998 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.46% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.46% is less than Guideline LTV of 60% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143900 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.46% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.46% is less than Guideline LTV of 60% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143902 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Provide evidence that Arm's Length Transaction is not a bail out. | Document Uploaded. not non arms length. See history report and rebuttal. | 01/15/2026 | Transaction is arm's length. the Seller's spouse signed a QCD to the buyer simultaneously as the closing of this loan.; Purchase is considered to be an Arm's Length Transaction, or Not Applicable | 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 \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143902 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143902 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143878 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CCA uploaded | 02/16/2026 | Third party valuation product provided within tolerance. Desk review was provided and within variance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 02/17/2026 | 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 | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2143878 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/19/2026 | 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 | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2143878 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | Duplicate of HPLM This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. |  |  | Informational | 01/19/2026 | 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 | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2143937 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143937 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143937 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143936 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/02/2026 | Acknowledged | FVAL4188 | Property | Property Marketability Issues | Lender acknowledged - Declining market cash out refi on primary. Compensating Factors : LTV, XXX months in reserves, credit |  |  |  |  | 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 38.72% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.72% is less than Guideline LTV of 70% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143936 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | 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 38.72% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.72% is less than Guideline LTV of 70% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143936 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | 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 38.72% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.72% is less than Guideline LTV of 70% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143939 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | 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 37.5% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143939 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | 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 37.5% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143939 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | 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 37.5% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143935 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.56% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143935 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.56% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143935 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.56% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143930 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143930 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | 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. |  |  | Informational | 02/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143930 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143924 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | 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 \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143924 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | 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 \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143924 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | 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 \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143932 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Underwriter Risk Score is XX/XX/XXXX |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance; Variance is not within tolerance; additional product required. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143932 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143932 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143915 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | 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 24.76% is less than Guideline CLTV of 70% \| 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 24.76% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143915 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | 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 24.76% is less than Guideline CLTV of 70% \| 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 24.76% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143915 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | 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 24.76% is less than Guideline CLTV of 70% \| 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 24.76% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143925 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.3% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.3% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143925 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.3% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.3% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143925 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.3% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.3% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143933 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE0382 | 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. Processor Certification LOE in file page XXX States secured funding coming from HELOC on current primary and that proof of draw and deposit will be provided Prior To Disbursement. Documentation missing from file and funds to close have not been verified received. Credit Supplement still reflects HELOC balance without draw. Please provide Stated documentation. | Document Uploaded. | 02/26/2026 | Funds are found to meet guidelines. Received updated asset Statement showing the HELOC funds were deposited. Updated and cleared finding. | 02/26/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143933 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Rescinded | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Final Transmittal Summary in file does not foot to backend calculated DTI on document. Please provide Final XXX | Document Uploaded. This is invalid, see rebuttal. | 02/06/2026 | XXX in file accurately calculating DTI. No updates needed - Rescinded finding ; Approval/Underwriting Summary Partially Provided. Final Transmittal Summary in file does not foot to backend calculated DTI on document. Please provide Final XXX | 02/06/2026 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143933 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143933 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143845 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143845 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143845 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143838 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143838 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143838 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143776 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Non Arms Length between Tenant/Landlord. Lender provided exception with one comp factor: Subject being sold at market value with Realtors involved. Please provide additional comp factor. | Document Uploaded. Additional comp factors noted, thank you. | 02/09/2026 | ; Lender provided addtl comp factors for on Arms Length between Tenant/Landlord. - Subject being sold at market value with Realtors involved, Little pmt shock, Excellent repayment history on debts.; Purchase is not considered to be an Arm's Length Transaction Non Arms Length between Tenant/Landlord. Lender provided exception with one comp factor: Subject being sold at market value with Realtors involved. Please provide additional comp factor. | 02/09/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143776 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | 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 A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143776 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | 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 A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2143779 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance; FSD score not within tolerance; additional product is required | 02/23/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143779 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143779 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2143777 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | 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 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143777 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | 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 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2143777 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | 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 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091069 |  | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM Exempt | Complete | 07/21/2025 | Clear | 9635175995 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Policy is MISSING MORTGAGEe clause after lender's name. Please provide updated Hazard Policy with ISAOA/ ATIMA verbiage. | XX/XX/XXXX HOI uploaded | 07/23/2025 | XXX: Hazard Policy number received | 07/23/2025 | 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 |

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## Exhibit 99.02

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

**Exhibit 99.02**

**Schedule 3. CA Grades Summary Report**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor 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** |
| 2143773 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143796 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143801 |  |  | $XXXXXX A | C | C | C | C | C A | C | C | C | C | C A |
| 2143812 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143820 |  |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 2143821 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2143832 |  |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2143849 |  |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2143856 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143850 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2143863 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2143825 |  |  | $XXXXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 2143822 |  |  | $XXXXXX A | C | C | C | C | C A | C | C | C | C | C A |
| 2143836 |  |  | $XXXXXX A | C | C | C | C | C A | C | C | C | C | C A |
| 2143831 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 2143877 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2143868 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2143857 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2143813 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143833 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143921 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143897 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143901 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 2143904 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2143892 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143900 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143902 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2143878 |  |  | $XXXXXX A | B | B | B | B | B C A | A | A | A | A | A |
| 2143937 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143936 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2143939 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143935 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143930 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143924 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143932 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2143915 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143925 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143933 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2143845 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143838 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2143776 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2143779 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2143777 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091069 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.02

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

**Exhibit 99.02**

**Schedule 4. CA Valuations Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2143773 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 66.1 | 66.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2143796 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 2143801 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2143812 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.33 | 58.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143820 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 13.89 | 13.89 |  |  |  |  | $XXX | $XXX | -.0250 | XXX |  |  |  |  |  | $XXX | $XXX | -.0250 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2143821 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143832 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 39.06 | 39.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143849 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 42.53 | 42.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2143856 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 30.0 | 30.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2143850 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 28.99 | 28.99 |  |  |  |  | $XXX | $XXX | -.0398 | XXX |  |  |  |  |  | $XXX | $XXX | -.0398 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143863 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.53 | 56.53 |  |  |  |  | $XXX | $XXX | -.1666 | XXX |  |  |  |  |  | $XXX | $XXX | -.1666 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2143825 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2143822 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 62.5 | 62.5 |  |  |  |  | $XXX | $XXX | -.0200 | XXX |  |  |  |  |  | $XXX | $XXX | -.0200 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2143836 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.34 | 63.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2143831 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0131 | XXX |  |  |  |  |  | $XXX | $XXX | .0131 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2143877 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 26.71 | 26.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143868 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143857 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.31 | 71.31 |  |  |  |  | $XXX | $XXX | -.1249 | XXX |  |  |  |  |  | $XXX | $XXX | -.1249 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2143813 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 52.0 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2143833 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2143921 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.54 | 61.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143897 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2143901 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.79 | 68.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2143904 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143892 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 32.83 | 32.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143900 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 43.46 | 43.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143902 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2143878 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.93 | 78.93 |  |  |  |  | $XXX | $XXX | -.1057 | XXX |  |  |  |  |  | $XXX | $XXX | -.1057 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2143937 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.0 | 64.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2143936 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 38.72 | 38.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2143939 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 37.5 | 37.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2143935 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.56 | 69.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2143930 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143924 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143932 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 66.52 | 66.52 |  |  |  |  | $XXX | $XXX | -.1182 | XXX |  |  |  |  |  | $XXX | $XXX | -.1182 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2143915 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 24.76 | 24.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2143925 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 49.3 | 49.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143933 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2143845 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143838 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2143776 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 2143779 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .2005 | XXX |  |  |  |  |  | $XXX | $XXX | .2005 | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 2143777 |  |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2091069 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |

---

## Exhibit 99.02

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

**Exhibit 99.02**

**Schedule 5. CA Supplemental Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **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** |
| 2143773 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 1 | No | 0 | 0 | 0 | 3 | 32.31 | 48.94 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143796 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143801 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143812 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 0.00 | 0.00 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143820 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143821 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143832 | 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 |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143849 | 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 |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143856 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143850 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143863 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143825 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 22.16 | 25.42 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143822 | 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 | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | 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 |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 2.61 | 6.23 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143836 | 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 | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | 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 | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 14.05 | 14.14 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143831 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 25.40 | 32.44 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143877 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 38.67 | 44.29 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143868 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | 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 | 168 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 8.91 | 19.68 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143857 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 5.58 | 8.64 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143813 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 27.37 | 36.97 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143833 | 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 | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.66 | 10.26 | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143921 | 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 | 7/1 or 7/6 Mos ARM |  | 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 | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 36.60 | 42.66 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143897 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 55 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 20.16 | 29.53 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143901 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 5.78 | 6.22 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143904 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 55 | No |  | 0 | 2 | No | 0 | 0 | 0 | 3 | 35.68 | 36.10 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143892 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143900 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 38.41 | 39.40 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143902 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 13.95 | 14.33 |  |  | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143878 | 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 | 5/1 or 5/6 Mos ARM |  | 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 |  |  |  |  |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.13 | 8.89 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143937 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143936 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143939 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143935 | 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 | 5/1 or 5/6 Mos ARM |  | 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 | 16.49 | 16.54 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143930 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 10.40 | 15.21 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143924 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 30 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 31.42 | 31.53 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143932 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | 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 | 70 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 40.84 | 41.90 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143915 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.94 | 5.13 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143925 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 77 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 11.59 | 19.99 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143933 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 6.35 | 23.59 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143845 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143838 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 6.74 | 17.26 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143776 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 38.20 | 40.82 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143779 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | 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 | 220 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 16.82 | 36.51 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143777 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 48 | No |  | 0 | 2 | No | 0 | 0 | 0 | 3 | 31.25 | 49.75 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2091069 |  | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | 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 |

---

## Exhibit 99.03

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

**Exhibit 99.03**

**Canopy Financial Technology Partners, LLC ("Canopy") Narrative**

![](ex9903001.jpg)

**NARRATIVE**

**EFMT 2026-NQM6**

**By Canopy Financial Technology Partners LLC on May 29, 2026**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted from February 2026 to April 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of thirty-two (32) loans with an aggregate principal balance of $12,386,283.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Moody's Investor Services, Inc. & DBRS Morningstar

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

● 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 what was used in 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;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

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

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

**Automated Underwriting System Findings:** N/A

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● 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 herein;

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

"primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, 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. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **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
 HOEPA and any state and local high-cost home loan laws. Assignee shall have the meaning
 as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C.
 §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

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(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C.
 §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

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

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&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. Initial
 and final application (1003)

&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. Note,
 including all addendums

&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. Copy
 of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage
 / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial,
 Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice
 of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate
 Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial
 Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

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

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and CDs with a report outlining any TILA
violations, including a re-calculation of disclosed finance charge, principal and interest calculations, proper completion of
the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR and a review
to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes.
Testing will be conducted to fulfill the

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elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 4.0");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review 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. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm 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 may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report 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;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report 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;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements** 

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

● 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)

● 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 183(C).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees"

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exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is 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)**

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

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

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

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**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy 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.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

Canopy 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 a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:**

45. For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

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**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event 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. |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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 GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &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. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 90.63% (29 loans) have an overall grade of "A" and 9.37% (3 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 96.88%, (31 loans) of mortgage loans reviewed, and 3.12% (1 loan) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 93.75%, (30 loans) of mortgage loans reviewed, and 6.25% (2 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 96.88%, (31 loans) of mortgage loans reviewed, and 3.12% (1 loan) has a Property/Valuation grade of "B".

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**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;90.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.37% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12386283.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12386283.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12386283.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12386283.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;$440000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;21.88% | &nbsp;&nbsp;$1975350.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$2653150.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;12 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$2957153.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$4360630.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12386283.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12386283.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12386283.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;20 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$11050533.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;12 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$1335750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12386283.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

**DATA COMPARISON RESULTS**

Of the thirty-two (32) mortgage loan files reviewed, five (5) unique loans (15.63% by number) had five (5) tape comparison discrepancies across four (4) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.25% |

---

**Disclaimer**

*Canopy Financial Technology Partners, 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).* 

*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. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must*

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9903001.jpg)

*be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.* 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 1. Canopy Supplemental Data Report** 

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 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 |
| **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 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** | **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 Updated Credit Report Date** | **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** | **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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **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** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 2137571 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.96% | 33.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 65.94% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | Yes | 36 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.80 | xxx | 9.8 | No | 85 | N/A | xxx | xxx | xxx | xxx | 2 |
| 2158224 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.33% | 41.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | 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) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 35.43 | xxx | 35.43 | No | 71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2137570 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.05% | 47.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 36.63 | xxx | 36.63 | No | 63.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2144459 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.301 | 2.3 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 59.53 | No | 65 | N/A | xxx | xxx | xxx | xxx | 2 |
| 2144649 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.71% | 44.71% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 22 | FNMA 1005 | Yes | 17 | 17 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus, Commission, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.34 | xxx | 18.34 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2140008 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.15% | 35.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.33 | xxx | 7.33 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2144460 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.96% | 45.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.75 | xxx | 7.75 | No | 69.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2140009 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.77% | 45.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.72 | xxx | 12.2 | No | 73.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2144461 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.30% | 44.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 23.74 | xxx | 23.74 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2140010 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.63% | 29.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 107 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.88 | xxx | 22.32 | No | 65.63 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158770 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | Yes | 18.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.028 | 2.024 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.56 | xxx | 33.56 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2144463 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.41% | 25.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 14.41 | xxx | 14.41 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2144464 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.70% | 34.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.45 | xxx | 6.45 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2144465 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.90% | 33.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.41 | xxx | 4.41 | No | 79.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158706 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.131 | 1.131 |  | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.18 | xxx | 11.18 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2156392 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.295 | 1.295 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.21 | xxx | 11.21 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2155470 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  | xxx | $0.00 |  |  | 0.00% | 33.22% | 33.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.18 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2156379 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.162 | 1.162 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 363.87 | xxx | 363.87 | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2156380 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.305 | 1.128 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 408.89 | xxx | 408.89 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2155469 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.50% | 16.50% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 95.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.57 | xxx | 7.57 | No | 67.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2155471 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.64% | 46.64% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - [] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.16 | xxx | 7.16 | No | 73.42 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2155472 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.092 | 1.09 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 69.75 | No | 60.98 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2153210 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.54% | 36.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | 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 - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 49.20 | xxx | 49.2 | No | 41.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2153208 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.65% | 31.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.95 | No | 80 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2153209 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.93% | 38.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.59 | xxx | 33.59 | No | 58.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2153207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.27% | 46.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 73 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.03 | No | 64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158754 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | 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 | 1.468 | 2.03 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 23.04 | xxx | 23.04 | No | 75 | No | xxx | xxx | xxx | xxx | 1 |
| 2158737 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.00% | 48.00% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 89.69% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2026","2025"] \|\| Co Borrower - SSI and Disability - ["2026"] | Borrower - ["2026","2025"] \|\| Co Borrower - ["2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  | xxx | 0 | 51 | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.55 | xxx | 7.55 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158753 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.499 | 1.499 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 466.17 | xxx | 466.17 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158696 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.04 | 1.04 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 124.12 | No | 73.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158697 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.66% | 14.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.07 | xxx | 6.07 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2158735 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.388 | 2.388 |  | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.75 | No | 70 | N/A | xxx | xxx | xxx | xxx | 2 |

---

## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 2. Canopy Business Purpose Supplement Report** 

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 2158224 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 35.43 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2144459 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 43.45 | 2.3 | 2.301 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 15 | 1 | 1 | N/A | 59.53 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2158770 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 49.32 | 2.024 | 2.028 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 33.56 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2158706 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 88.45 | 1.131 | 1.131 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.18 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2156392 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 77.2 | 1.295 | 1.295 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 11.21 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2156379 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 86.09 | 1.162 | 1.162 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 363.87 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2156380 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 76.63 | 1.128 | 1.305 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 408.89 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2155472 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 91.55 | 1.09 | 1.092 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 5.4 | 1 | 1 | N/A | 69.75 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2158754 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 68.12 | 2.03 | 1.468 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.04 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2158753 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 66.73 | 1.499 | 1.499 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 466.17 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2158696 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 96.17 | 1.04 | 1.04 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 14.3 | 1 | 1 | N/A | 124.12 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2158735 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 41.87 | 2.388 | 2.388 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1 | 1 | 1 | N/A | 24.75 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 3. Canopy Rating Agency Grades Detail Report** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2137571 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2158224 |  | C B A | Closed |  | 2026-02-19 06:57 | 2026-02-25 09:18 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.2) CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-desk review provided - Due Diligence Vendor-02/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.16 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 2158224 |  | C B A | Closed |  | 2026-02-19 07:02 | 2026-02-19 07:02 | Waived | 2 - Non-Material B | Compliance | TILA | CD: General Form Requirements Not Met | Waived-9 OCCURRENCES OF OVERDRAFTS AND NEGATIVE BALANCES EXCEED THE MAX ALLOWED OF 3 IN THE LAST 12 MONTHS - Due Diligence Vendor-02/19/2026 |  | Waived-9 OCCURRENCES OF OVERDRAFTS AND NEGATIVE BALANCES EXCEED THE MAX ALLOWED OF 3 IN THE LAST 12 MONTHS - Due Diligence Vendor-02/19/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.16 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI < 43%, FICO SCORE 42+ THAN MINIMUM REQUIRED BY LOAN PROGRAM, BORROWER IS AN EXPERIENCED INVESTOR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 2158224 |  | C B A | Closed |  | 2026-02-19 07:01 | 2026-02-19 07:01 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-APPRAISAL REPORT DATE IS 10/16/2025. EXCEPTION REQUIRED FOR APPRAISAL DATED MORE THAN 45 DAYS OF SUBMISSION XXXX. - Due Diligence Vendor-02/19/2026 |  | Waived-APPRAISAL REPORT DATE IS xxx. EXCEPTION REQUIRED FOR APPRAISAL DATED MORE THAN 45 DAYS OF SUBMISSION TO xxx. - Due Diligence Vendor-02/19/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.16 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI < 43%, FICO SCORE 42+ THAN MINIMUM REQUIRED BY LOAN PROGRAM, BORROWER IS AN EXPERIENCED INVESTOR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 2137570 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2144459 |  | D A | Closed |  | 2026-02-27 04:58 | 2026-03-19 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Personal Guaranty is Partial/Incomplete | Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Counter-a Personal Guaranty would need to be wet signed. - Due Diligence Vendor-03/07/2026 <br>Ready for Review-can the personal guaranty form be esigned? - Seller-03/04/2026 <br>Counter-Closed in LLC but lender guidelines require a personal guaranty or lender exception. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-FYI, we closed this loan in an LLC. All docs are in the LLC name. - Seller-03/02/2026 <br>Open-Personal Guaranty is incomplete. Missing personal guaranty. Guaranty in file currently is by the LLC only. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Ready for Review-can the personal guaranty form be esigned? - Seller-03/04/2026 <br>Ready for Review-FYI, we closed this loan in an LLC. All docs are in the LLC name. - Seller-03/02/2026<br>| Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-03/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2144649 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2140008 |  | D A | Closed |  | 2026-03-02 13:40 | 2026-03-05 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Tax Bill attached.<br> HOA Bill for XXXX – no insurance. - Seller-03/04/2026 <br> Open-. Provide taxes and insurance for property located at xxx and insurance for xxx. Subject to review and possible additional conditions. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Tax Bill attached.<br> HOA Bill for xxx – no insurance. - Seller-03/04/2026 |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.09 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.15% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2144460 |  | C A | Closed |  | 2026-03-02 21:04 | 2026-03-06 18:33 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/06/2026 <br> Resolved- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/05/2026 <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. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-03/06/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.87 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 2140009 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2144461 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2140010 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2158770 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2144463 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2144464 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2144465 |  | B A | Closed |  | 2026-03-20 07:12 | 2026-03-30 14:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. - Due Diligence Vendor-03/30/2026 <br>Waived-Audited Reserves of 3.98 are less than Guideline Required Reserves of 6 Reduced reserves to 3 months instead of 6 months - Due Diligence Vendor-03/20/2026 |  | Waived-Document Uploaded. - Due Diligence Vendor-03/30/2026 <br>Waived-Audited Reserves of 3.98 are less than Guideline Required Reserves of 6 Reduced reserves to 3 months instead of 6 months - Due Diligence Vendor-03/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Strong residual income, good credit | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 2158706 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2156392 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2155470 |  | D A C | Closed |  | 2026-04-02 12:05 | 2026-04-03 13:15 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-desk review provided - Due Diligence Vendor-04/03/2026<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 2155470 |  | D A C | Closed |  | 2026-03-30 14:58 | 2026-04-03 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Business License provided - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Borrower 1 CPA Letter Missing Please provide the CPA letter or business license for xxx - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Business License provided - Due Diligence Vendor-04/03/2026<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 2155470 |  | D A C | Closed |  | 2026-03-31 00:30 | 2026-04-03 09:01 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <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. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 2156379 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2156380 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2155469 |  | C B A | Closed |  | 2026-04-02 13:25 | 2026-04-06 11:47 | Waived | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Waived-This case has been downgraded to EV2-B due to the use of H8 when H9 was required. The investor has elected to have the grading based on substantially similar rulings from the xxx (xxx). - Due Diligence Vendor-04/06/2026 <br> Counter-Some lenders have requested assigning an EV grade of H8 instead of H9 based on a "substantially similar" interpretation using circuit court rulings as the determining factor; however, XXXX has not requested this approach. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see the attached email from our attorney regarding the H9 NORTC. - Seller-04/03/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\*Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see the attached email from our attorney regarding the H9 NORTC. - Seller-04/03/2026<br>| Waived-This case has been downgraded to EV2-B due to the use of H8 when H9 was required. The investor has elected to have the grading based on substantially similar rulings from the xxx. - Due Diligence Vendor-04/06/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxx |
| 2155471 |  | D A | Closed |  | 2026-04-02 02:28 | 2026-04-06 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Please provide lender worksheet for bank statement income of xxx. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.07 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2155472 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2153210 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2153208 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2153209 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2153207 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2158754 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2158737 |  | C A | Closed |  | 2026-04-13 08:45 | 2026-04-23 12:33 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-LOE is present to support deposit. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/22/2026 <br> Open-Income and Employment Do Not Meet Guidelines . Provide documentation to evidence large wire for $xxx made on xxx showing wire however no there is description to evidence commission related. - Due Diligence Vendor-04/13/2026 |  | Resolved-LOE is present to support deposit. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34.67 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2158753 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2158696 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2158697 |  | D A | Closed |  | 2026-04-16 02:20 | 2026-04-21 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-12 month personal bank statements and income worksheet provided - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Counter-The 12 months of B/S provided does not match the monthly deposits on the Lender's Income worksheet. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-All bank statement docs are missing in file. Account #xxx Bank name : xxx (xxx) - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. - Seller-04/20/2026 <br>Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-12 month personal bank statements and income worksheet provided - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2158735 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 4. Canopy Rating Agency Grades Summary Report** 

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2137571 |  |  | xxx A |
| 2158224 |  |  | xxx A B C |
| 2137570 |  |  | xxx A |
| 2144459 |  |  | xxx D A |
| 2144649 |  |  | xxx A |
| 2140008 |  |  | xxx D A |
| 2144460 |  |  | xxx A C |
| 2140009 |  |  | xxx A |
| 2144461 |  |  | xxx A |
| 2140010 |  |  | xxx A |
| 2158770 |  |  | xxx A |
| 2144463 |  |  | xxx A |
| 2144464 |  |  | xxx A |
| 2144465 |  |  | xxx B A |
| 2158706 |  |  | xxx A |
| 2156392 |  |  | xxx A |
| 2155470 |  |  | xxx D C A |
| 2156379 |  |  | xxx A |
| 2156380 |  |  | xxx A |
| 2155469 |  |  | xxx A C B |
| 2155471 |  |  | xxx D A |
| 2155472 |  |  | xxx A |
| 2153210 |  |  | xxx A |
| 2153208 |  |  | xxx A |
| 2153209 |  |  | xxx A |
| 2153207 |  |  | xxx A |
| 2158754 |  |  | xxx A |
| 2158737 |  |  | xxx C A |
| 2158753 |  |  | xxx A |
| 2158696 |  |  | xxx A |
| 2158697 |  |  | xxx D A |
| 2158735 |  |  | xxx A |

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## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 5. Canopy 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** |
| 2137571 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158224 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 71.0 | 71.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2137570 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.56 | 63.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.1 | xxx |
| 2144459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2144649 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2140008 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2144460 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.38 | 69.38 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 2140009 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.38 | 73.38 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2144461 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 2140010 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.63 | 65.63 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2158770 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2144463 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2144464 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2144465 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.28 | 79.28 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.1 | xxx |
| 2158706 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2156392 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2155470 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2156379 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | xxx | .0348 | Desk Review |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | XXXX | .0348 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2156380 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | xxx | .0174 | Desk Review |  |  |  |  | xxx | xxx | .0174 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | xxx | .0174 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2155469 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.8 | 67.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 2155471 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.42 | 73.42 | xxx | xxx | -.0780 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0780 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2155472 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.98 | 60.98 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2153210 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.07 | 41.07 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 2153208 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2153209 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.65 | 58.65 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.2135 | 92.0 | 0.08 | xxx | xxx | xxx | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2153207 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.0 | 64.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 2158754 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158737 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 2158753 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  | xxx | xxx | .2917 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158696 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.17 | 73.17 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 2158697 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.6 | xxx |
| 2158735 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 6. Canopy ATR or QM Report** 

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 2137571 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2158224 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 2137570 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2144459 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2144649 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 2140008 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2144460 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 2140009 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2144461 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2140010 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2158770 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2144463 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2144464 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2144465 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2158706 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2156392 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2155470 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2156379 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2156380 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2155469 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2155471 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Not Employed | No | No | No |  |
| 2155472 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2153210 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2153208 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2153209 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 2153207 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2158754 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2158737 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 2158753 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2158696 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2158697 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2158735 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.03

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

**Exhibit 99.03**

**Schedule 7. Canopy Data Compare Report** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2144463 |  |  | Note Date | xxx | xxx |
| 2158224 |  |  | Prepayment Penalty Total Term | 36 | 0 |
| 2137571 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 2144459 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 2140009 |  |  | Qualifying Total Debt Income Ratio | 45.77 | 49.659 |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Clarifii LLC ("Clarifii") Narrative**

![](ex9904001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM6**

**By Clarifii LLC on May 29, 2026**

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 1

![](ex9904001.jpg)

**CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 40 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2026-NQM6 transaction. The Loans referenced in this narrative report were reviewed between 5/2025 to 04/2026 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** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;10 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$6312100.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;30 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$9730423.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16042523.00** |

---

The Review consisted of a population of 40 Loans, with an aggregate principal balance of $16,042,523.00.

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

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

**LOAN SAMPLING**

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

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 2

![](ex9904001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**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 Field** |
| &nbsp;&nbsp;All Other Payments |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 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 |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |

---

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 3

![](ex9904001.jpg)

---

| |
|:---|
| &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 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &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 |

---

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 4

![](ex9904001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 5

![](ex9904001.jpg)

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 6

![](ex9904001.jpg)

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 7

![](ex9904001.jpg)

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

**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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

&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

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– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

*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.

**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.

**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:

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**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. |

---

**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. |

---

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**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. |

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;72.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;27.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;77.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$16042523.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16042523.00** |

---

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 17

![](ex9904001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;10 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$7299775.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;$806748.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;28 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;$7936000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16042523.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;34 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;$11779773.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;$4262750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16042523.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$16042523.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16042523.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;$360498.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;39 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;$15682025.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16042523.00** |

---

**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 Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy%** |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 18

![](ex9904001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;36 | &nbsp;&nbsp;97.22% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;29 | &nbsp;&nbsp;72.41% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;84.62% |

---

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 19

![](ex9904001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;36 | &nbsp;&nbsp;97.22% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;35 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;30 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;30 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;30 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;30 | &nbsp;&nbsp;96.67% |

---

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 20

![](ex9904001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;31 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;6 | &nbsp;&nbsp;30 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;30 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer** 

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

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

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

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

*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.

EFMT 2026-NQM6 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 1. Clarifii Valuation Report**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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 | 2147739 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 2138686 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.38 | 68.38 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 2138687 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0324 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138665 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.6 | 76.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 2138658 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0072 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138700 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0148 | 86.0 | 0.14 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138656 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.87 | 60.87 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 2138729 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.49 | 78.49 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138674 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.1 | 75.1 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 2138739 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138677 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2138728 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138733 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | 2138717 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0708 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138654 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.3 | 63.3 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138655 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2138723 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.14 | 77.14 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0057 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138724 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.14 | 77.14 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0114 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138749 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0024 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138730 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2141286 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0361 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0361 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 2138697 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | 2138716 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| XXXX | 2141285 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0244 | 58.0 | 0.42 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138719 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0660 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138701 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0237 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138713 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138732 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.94 | 71.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0072 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138722 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.76 | 75.76 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0379 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138690 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2138704 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0469 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138744 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 2029620 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 2142193 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 2142192 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.6 | 72.6 | XXXX | XXXX | -.0216 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0216 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 2147762 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | 2154556 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154555 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.5 | 72.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 2. Clarifii Supplemental Data Report**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy 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 | 2147739 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 28865 | 04/07/2025 | 6.620% | Manual Underwriting |  | No | 8.187% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1895.04 | $157.92 | $13599.96 | $1133.33 | $0.00 | $9604.53 | $94880.48 | N/A | XXXX | XX | $1133.33 |  | Monthly | 0.00% | 19.27% | 19.27% | 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 - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/09/2025 | 04/09/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 25.2 | XXXX | 25.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138686 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.875% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $4087.56 | $340.63 | $13980.00 | $1165.00 | $0.00 | $6316.02 |  | Yes | XXXX | XX | $1165.00 |  | 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 | 0.602 | 0.61 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/25/2025 | 08/25/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 12.1 | No | 68.38 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138687 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/16/2025 | 22 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3018.96 | $251.58 | $0.00 | $0.00 | $0.00 | $2991.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.702 | 0.77 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/09/2025 | 09/09/2025 |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 22.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138665 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 21 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 7144 | 11/03/2025 | 6.170% | Manual Underwriting |  | No | 8.068% |  | 7.999% |  | XXXX | No |  | XXXX | XXXX | $2072.04 | $172.67 | $0.00 | $0.00 | $0.00 | $3308.21 | $8319.38 | N/A |  |  | $0.00 |  |  | 0.00% | 34.95% | 34.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.7 | XXXX | 9.3 | No | 76.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138658 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 21 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5494 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 7.687% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $948.00 | $79.00 | $1644.00 | $137.00 | $0.00 | $7987.39 | $30313.61 | N/A | XXXX | XX | $137.00 |  | Monthly | 0.00% | 35.38% | 35.38% | 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% |  |  | 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 | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 21.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138700 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1135.68 | $94.64 | $0.00 | $0.00 | $0.00 | $1289.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.008 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/27/2025 | 10/27/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 14.7 | XXXX | 14.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138656 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 22 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9875 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | 7.764% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2487.00 | $207.25 | $0.00 | $0.00 | $0.00 | $2385.13 | $4149.14 | N/A |  |  | $0.00 |  |  | 0.00% | 45.73% | 45.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2025 | 11/19/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 34.2 | XXXX | 59.6 | No | 60.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138729 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1272.96 | $106.08 | $0.00 | $0.00 | $0.00 | $1277.86 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.291 | 1.29 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/06/2025 | 11/06/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 8.7 | No | 78.49 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138674 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2025 | 22 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 10756.45 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 9.309% |  | 8.999% |  | XXXX | No |  | XXXX | XXXX | $7033.08 | $586.09 | $0.00 | $0.00 | $0.00 | $4294.18 | $10587.74 | N/A |  |  | $0.00 |  |  | 0.00% | 53.97% | 53.97% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | 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 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SECorporation - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/05/2025 | 11/05/2025 | 11/05/2025 |  |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.3 | XXXX | 8 | No | 75.1 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2138739 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.750% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $2398.32 | $199.86 | $0.00 | $0.00 | $0.00 | $1989.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.457 | 1.45 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/04/2025 | 11/04/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.6 | XXXX | 109.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138677 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2025 | 22 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5044 | 12/22/2025 | 6.250% | Manual Underwriting |  | No | 7.524% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1977.84 | $164.82 | $0.00 | $0.00 | $0.00 | $1659.81 | $3872.58 | N/A |  |  | $0.00 |  |  | 0.00% | 37.76% | 37.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 4 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/30/2025 | 11/30/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.7 | XXXX | 98.4 | No | 55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138728 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1314.96 | $109.58 | $0.00 | $0.00 | $0.00 | $1492.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.273 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2025 | 12/08/2025 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 76.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138733 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1264.56 | $105.38 | $0.00 | $0.00 | $0.00 | $1759.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.322 | 1.32 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2025 | 12/10/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 82.8 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138717 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.999% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1167.96 | $97.33 | $150.00 | $12.50 | $0.00 | $1654.41 |  | N/A | XXXX | XX | $12.50 |  | Annually | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | 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 | 1.14 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/12/2025 | 11/12/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 14.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138654 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 22 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16479.5 | 10/13/2025 | 6.290% | Manual Underwriting |  | No | 7.040% |  | 6.999% |  | XXXX | No |  | XXXX | XXXX | $12048.00 | $1004.00 | $0.00 | $0.00 | $0.00 | $7305.87 | $11124.34 | N/A |  |  | $0.00 |  |  | 0.00% | 41.10% | 41.10% | 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% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, 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 | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.7 | XXXX | 23.9 | No | 63.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138655 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 22 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8144 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 7.181% |  | 6.999% |  | XXXX | No |  | XXXX | XXXX | $1455.96 | $121.33 | $0.00 | $0.00 | $0.00 | $4075.78 | $16961.22 | N/A |  |  | $0.00 |  |  | 0.00% | 39.84% | 39.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Missing | 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 | XX | XXXX | XXXX | 10/28/2025 | 10/28/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 48.6 | XXXX | 54.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138723 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $719.04 | $59.92 | $0.00 | $0.00 | $0.00 | $1201.63 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.248 | 1.24 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2026 | 01/08/2026 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 50.8 | No | 77.14 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138724 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $719.04 | $59.92 | $0.00 | $0.00 | $0.00 | $1201.63 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.248 | 1.24 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 01/07/2026 | 01/07/2026 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 51.3 | No | 77.14 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138749 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.999% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $6330.96 | $527.58 | $717.96 | $59.83 | $0.00 | $5877.89 | $36614.54 | N/A | XXXX | XX | $59.83 |  | Annually | 0.00% | 40.63% | 40.63% | 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 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/20/2025 | 11/20/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 71.8 | XXXX | 86.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138730 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $786.00 | $65.50 | $0.00 | $0.00 | $0.00 | $1148.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.306 | 1.3 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/26/2025 | 12/26/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 101.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2141286 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.999% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $11078.76 | $923.23 | $0.00 | $0.00 | $0.00 | $3573.98 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.644 | 0.64 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/17/2025 | 11/17/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 68.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138697 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.875% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1580.04 | $131.67 | $650.04 | $54.17 | $0.00 | $1919.29 |  | N/A | XXXX | XX | $54.17 |  | 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 | 0.925 | 0.92 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/22/2025 | 12/22/2025 | 12/22/2025 |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.2 | XXXX | 7.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 2138716 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.750% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1826.88 | $152.24 | $0.00 | $0.00 | $0.00 | $1478.39 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.133 | 1.13 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/20/2025 | 10/20/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 110.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2141285 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 22 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18124 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.556% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $2855.04 | $237.92 | $399.96 | $33.33 | $0.00 | $5362.98 | $32157.02 | N/A | XXXX | XX | $33.33 |  | Annually | 0.00% | 25.43% | 25.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/20/2025 | 11/20/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.2 | XXXX | 128.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138719 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.999% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $2030.64 | $169.22 | $0.00 | $0.00 | $0.00 | $3431.14 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.166 | 1.16 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2025 | 12/03/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 24.3 | XXXX | 24.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138701 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.999% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $815.04 | $67.92 | $0.00 | $0.00 | $0.00 | $2396.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.001 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2025 | 12/08/2025 | 12/08/2025 |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 64.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2138713 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1761.96 | $146.83 | $0.00 | $0.00 | $0.00 | $3137.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.116 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2025 | 12/08/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 12 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 13.4 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138732 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1060.80 | $88.40 | $0.00 | $0.00 | $0.00 | $1028.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.312 | 1.31 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2025 | 10/16/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 45.8 | No | 71.94 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138722 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $954.96 | $79.58 | $0.00 | $0.00 | $0.00 | $1040.02 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.202 | 1.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2025 | 10/16/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 84.3 | No | 75.76 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138690 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $2099.04 | $174.92 | $0.00 | $0.00 | $0.00 | $4261.95 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.786 | 0.78 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/24/2025 | 11/24/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 12 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138704 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1005.00 | $83.75 | $0.00 | $0.00 | $0.00 | $2999.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/23/2025 | 12/23/2025 |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 21.6 | XXXX | 21.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2138744 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1461.96 | $121.83 | $0.00 | $0.00 | $0.00 | $1017.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.202 | 2.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/02/2025 | 10/02/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 47.5 | XXXX | 47.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2142194 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 02/02/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 6.720% |  | 6.625% | 6.625% | XXXX | No |  | XXXX | XXXX | $3165.00 | $263.75 | $0.00 | $0.00 | $0.00 | $4123.06 | $66668.63 | N/A |  |  | $0.00 |  |  | 0.00% | 21.33% | 21.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | 01/21/2026 | 01/21/2026 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 101 | XXXX | 101 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2029620 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.404% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $4844.04 | $403.67 | $40596.00 | $3383.00 | $0.00 | $18730.54 | $234119.34 | Yes | XXXX | XX | $3383.00 |  | Monthly | 0.00% | 18.80% | 18.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 1 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/26/2026 | 01/26/2026 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.2 | XXXX | 15.2 | No | 65 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2142193 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.375% |  | XXXX | No |  | XXXX | XXXX | $1497.00 | $124.75 | $0.00 | $0.00 | $0.00 | $4263.26 | $11356.12 | N/A |  |  | $0.00 |  |  | 0.00% | 37.97% | 37.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 1 NA | No | No | 0 | No | Yes | N/A | 1 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, 1065, 1120S), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, 1065, 1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2025 | 11/18/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 70.5 | XXXX | 73.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2142192 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 6.530% |  | 6.490% | 6.490% | XXXX | No |  | XXXX | XXXX | $2607.96 | $217.33 | $0.00 | $0.00 | $0.00 | $4445.86 | $71569.14 | N/A |  |  | $0.00 |  |  | 0.00% | 20.28% | 20.28% | 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 |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2026 | 01/23/2026 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.2 | XXXX | 6.2 | No | 72.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2147762 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  | $0.00 | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1231.56 | $102.63 | $0.00 | $0.00 | $0.00 | $4697.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.384 | 1.384 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/03/2026 | 03/03/2026 |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.9 | XXXX | 20.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2142191 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $767.04 | $63.92 | $0.00 | $0.00 | $0.00 | $1716.63 | $8781.81 | N/A |  |  | $0.00 |  |  | 0.00% | 27.23% | 27.23% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 NA | No | No | 0 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, Child Support, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified, Personal Bank Statements Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/18/2026 | 02/18/2026 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 89.3 | XXXX | 89.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2154556 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1644.00 | $137.00 | $0.00 | $0.00 | $0.00 | $2873.91 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.879 | 1.879 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/09/2026 | 03/09/2026 | 03/23/2026 |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 138.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 2154555 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2013.96 | $167.83 | $0.00 | $0.00 | $0.00 | $1422.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.265 | 1.265 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/01/2026 | 04/01/2026 |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 44.9 | No | 72.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 3. Clarifii RA Grades Summary Report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 2147739 | XXXX | XXXX C A |
| XXXX | 2138686 | XXXX | XXXX D A |
| XXXX | 2138687 | XXXX | XXXX C A B |
| XXXX | 2138665 | XXXX | XXXX C A B |
| XXXX | 2138658 | XXXX | XXXX C A B |
| XXXX | 2138700 | XXXX | XXXX C A |
| XXXX | 2138656 | XXXX | XXXX C A |
| XXXX | 2138729 | XXXX | XXXX A |
| XXXX | 2138674 | XXXX | XXXX C A B |
| XXXX | 2138739 | XXXX | XXXX C A |
| XXXX | 2138677 | XXXX | XXXX D A |
| XXXX | 2138728 | XXXX | XXXX D A |
| XXXX | 2138733 | XXXX | XXXX C A |
| XXXX | 2138717 | XXXX | XXXX C A |
| XXXX | 2138654 | XXXX | XXXX D C A |
| XXXX | 2138655 | XXXX | XXXX D C A |
| XXXX | 2138723 | XXXX | XXXX C A |
| XXXX | 2138724 | XXXX | XXXX C A |
| XXXX | 2138749 | XXXX | XXXX D A |
| XXXX | 2138730 | XXXX | XXXX C A B |
| XXXX | 2141286 | XXXX | XXXX C A |
| XXXX | 2138697 | XXXX | XXXX C A |
| XXXX | 2138716 | XXXX | XXXX C A |
| XXXX | 2141285 | XXXX | XXXX C A B |
| XXXX | 2138719 | XXXX | XXXX A |
| XXXX | 2138701 | XXXX | XXXX D A |
| XXXX | 2138713 | XXXX | XXXX C A |
| XXXX | 2138732 | XXXX | XXXX D A B |
| XXXX | 2138722 | XXXX | XXXX C A B |
| XXXX | 2138690 | XXXX | XXXX C A |
| XXXX | 2138704 | XXXX | XXXX A |
| XXXX | 2138744 | XXXX | XXXX A |
| XXXX | 2142194 | XXXX | XXXX C A B |
| XXXX | 2029620 | XXXX | XXXX C A B |
| XXXX | 2142193 | XXXX | XXXX C A |
| XXXX | 2142192 | XXXX | XXXX D A |
| XXXX | 2147762 | XXXX | XXXX D A |
| XXXX | 2142191 | XXXX | XXXX C A B |
| XXXX | 2154556 | XXXX | XXXX C A |
| XXXX | 2154555 | XXXX | XXXX A |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 4. Clarifii RA Grades Detail Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 2147739 | XXXX C A | Closed | FCRE1440 | 2025-05-13 11:26 | 2025-05-21 13:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see the attached supplement reflecting 0\*30 on the previous address. Thank you - Seller-05/20/2025 <br>Open-Housing History Does Not Meet Guideline Requirements - missing Primary history borrower appears to have been in primary 2 months. Missing former address mtg payment history. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Please see the attached supplement reflecting 0\*30 on the previous address. Thank you - Seller-05/20/2025<br>| Resolved-Received Credit Supplement - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - 25.18 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying sore 798; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2147739 | XXXX C A | Closed | FCRE1510 | 2025-05-12 11:12 | 2025-05-21 13:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded Mortgage w/Legal. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see attached legal description. - Seller-05/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Please see attached legal description. - Seller-05/19/2025<br>| Resolved-Received recorded Mortgage w/Legal. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - 25.18 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying sore 798; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2147739 | XXXX C A | Closed | FCOM3605 | 2025-05-12 11:46 | 2025-05-20 09:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Rec'd Initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached ICD signed by the borrower on XXXX - Seller-05/19/2025 <br> Open------ Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Please see attached ICD signed by the borrower on XXXX - Seller-05/19/2025 | Resolved-Rec'd Initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-05/20/2025 | Months Reserves exceed minimum required - 25.18 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying sore 798; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2138686 | XXXX D A | Closed | FPRO1255 | 2025-10-27 16:50 | 2025-11-21 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire provided. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. that document was already reviewed here it is attached again. - Seller-11/20/2025 <br>Counter-Received Email. HOA Questionnaire Document previously uploaded has been removed. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. this was address in the email, attached. question #6 - Seller-11/17/2025 <br>Counter-No document received. Condo questionnaire indicates there is an on-site registration/check-in desk, cleaning/maid and or master telephone service. Should these services not be available, the questionnaire must be updated. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-the property is not a condo-tel, confirmed by the appraisal the question was only marked that they do allow Short term rentals if the owner so chooses. this is a high rise condo, please clear findings. - Seller-11/10/2025 <br>Counter-HOA cert received-noted yes to question #15-appears to be condotel--appraiser does not note condotel. Max ltv 65%. Please clarify. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. please find the HOA docs - Seller-10/30/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. that document was already reviewed here it is attached again. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. this was address in the email, attached. question #6 - Seller-11/17/2025 <br>Ready for Review-the property is not a condo-tel, confirmed by the appraisal the question was only marked that they do allow Short term rentals if the owner so chooses. this is a high rise condo, please clear findings. - Seller-11/10/2025 <br>Ready for Review-Document Uploaded. please find the HOA docs - Seller-10/30/2025<br>| Resolved-The HOA Questionnaire provided. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum Fico Score is 720, The borrower has 767<br>Months Reserves exceed minimum required - then guidelines requires 3 months reserves, the borrower has 12.11 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138687 | XXXX C B A | Closed | FCRE1232 | 2025-11-06 13:24 | 2025-12-04 13:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a 70.2 DSCR, min .75 - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please find the exception for the DSCR - Seller-12/03/2025 <br>Counter-Received DSCR screenshot. Audit calculation is .70 - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. DSCR is .77 please clear - Seller-11/12/2025 <br>Open-The Calculated DSCR of '0.702' is less than the minimum DSCR per lender guidelines of '0.75'. Originator DSCR .77/Audit 0.702. Unable to determine as Lender did not provide breakdown calculation. Audit PITIA matches Lender's first payment letter. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. please find the exception for the DSCR - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. DSCR is .77 please clear - Seller-11/12/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a 70.2 DSCR, min .75 - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 802 is higher than the required 640<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% | 802 fico<br> 75% LTV, max 80%<br> Cash back to borrower | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2138687 | XXXX C B A | Closed | FCRE0183 | 2025-11-06 13:21 | 2025-11-13 15:27 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-This is an investment property closing in an Entity. The condition below only applies to a Primary residence. please clear. - Seller-11/12/2025 <br> Open-The required spousal consent to pledge form is missing. Property is in XXXX community property state. The following on investment properties, you must have a Spousal Consent to Pledge form in the file. - Due Diligence Vendor-11/06/2025 | Ready for Review-This is an investment property closing in an Entity. The condition below only applies to a Primary residence. please clear. - Seller-11/12/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 802 is higher than the required 640<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138665 | XXXX C B A | Closed | FCRE1440 | 2025-12-11 09:32 | 2026-01-21 12:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Discharge of Mortgage provided, the loan was not int he borrower's name. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. please find discharge of the mortgage. - Seller-01/15/2026 <br> Counter-#13 of schedule B reflects mortgage. Finding remains. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-There is no mortgage history required. Per title, borrower owns property with no mortgages on title. Payoffs to private party and to buyout co-owner are not related to liens or mortgages. Please clear finding. <br>- Seller-12/31/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The borrower is in title with a 3rd party who is being removed with a payoff of XXXX. The second payoff is to a private party for XXXX. The original lien was recorded as a mortgage for XXXX. No payment history for this mortgage was identified in the file. It appears payments have been made as the amount owed has reduced. There is a letter in file from the 3rd party in title stating the borrower lived at the residence rent free. A payment history is required for the mortgage to ensure the transaction is not a foreclosure bailout. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. please find discharge of the mortgage. - Seller-01/15/2026 <br>Ready for Review-There is no mortgage history required. Per title, borrower owns property with no mortgages on title. Payoffs to private party and to buyout co-owner are not related to liens or mortgages. Please clear finding. <br>- Seller-12/31/2025<br>| Resolved-Discharge of Mortgage provided, the loan was not int he borrower's name. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138665 | XXXX C B A | Closed | finding-3652 | 2025-12-07 07:50 | 2026-01-06 09:23 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. COC for lender credit - Seller-01/05/2026 <br> Counter----Revised CD dated XXXX with closing costs of $11,354.73 had a lender credit of $24.00, which was removed from the final CD that was signed on XXXX. Need COC for decrease in lender credit. Finding Remains. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-please advise where are you getting the lending credit from there is no revised CD for XXXX - Seller-12/29/2025 <br> Counter-Received final CD XXXX, signed XXXX. Missing evidence of receipt of Revised CD XXXX, received on XXXX. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. XXXX cd for review. - Seller-12/17/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($24.00). 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 $24.00 for increase in closing cost above legal limit 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 $24.00, 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: XXXX. - Please provide borrower's acknowledgment of Revised CD issued XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-12/07/2025 | Ready for Review-Document Uploaded. COC for lender credit - Seller-01/05/2026 <br> Ready for Review-please advise where are you getting the lending credit from there is no revised CD for XXXX - Seller-12/29/2025 <br> Ready for Review-Document Uploaded. XXXX cd for review. - Seller-12/17/2025 | Resolved-----Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138665 | XXXX C B A | Closed | finding-3526 | 2025-12-07 07:50 | 2025-12-31 11:29 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved----Received signed LE. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. please find LE dated XXXX - Seller-12/29/2025 <br> Counter------Received final CD XXXX signed XXXX. Missing evidence of LE XXXX, received 3 days prior to closing. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. LE and CD - Seller-12/17/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ---Final LE in file is dated XXXX, but it signed by borrower, we need proof borrower received 3 days prior to closing. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. please find LE dated XXXX - Seller-12/29/2025 <br> Ready for Review-Document Uploaded. LE and CD - Seller-12/17/2025 | Resolved----Received signed LE. Finding Resolved. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138665 | XXXX C B A | Closed | finding-3635 | 2025-12-07 07:50 | 2025-12-31 11:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved----Received information of signed CD and COC. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-this was pending? please clear. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. please find the COC - Seller-12/17/2025 <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% ($90.00) exceed the comparable charges ($30.00) 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 60.00 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 $57.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Additional findings may apply upon receipt. - Due Diligence Vendor-12/07/2025 | Ready for Review-this was pending? please clear. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. please find the COC - Seller-12/17/2025<br>| Resolved----Received information of signed CD and COC. Finding Resolved. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138665 | XXXX C B A | Closed | FPRO1257 | 2025-12-11 08:59 | 2025-12-31 08:19 | Waived | 2 - Non-Material C B | Property | Value | Primary Property Value is not Substantiated | Waived-Document Uploaded. Originator waiver applied to non-material finding. Exception to allow the use of the prior guides for the appraisal review. CU completed prior to the guideline change. - Due Diligence Vendor-12/31/2025 <br> Counter-Guideline is effective XXXX. Finding remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-On the appraisal finding for this loan, the appraisal dates are prior to the guideline change requiring a CU score less than 2.0. Though the note date is after the guideline change, it would not be reasonable to make the guideline change retroactive and require an updated valuation product after the property value has been approved according to guidelines. Please clear this finding. - Seller-12/29/2025 <br> Counter-Note date XXXX. Provide secondary valuation acceptable to guideline change on XXXX. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-guideline was updated XXXX , this CU was completed XXXX please clear. - Seller-12/17/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The CU provided is 2.5. Per the applicable guidelines property values up to $1,500,000 – and a CU score > 2.0 or no score, a desk review is required. - Due Diligence Vendor-12/11/2025 | Ready for Review-On the appraisal finding for this loan, the appraisal dates are prior to the guideline change requiring a CU score less than 2.0. Though the note date is after the guideline change, it would not be reasonable to make the guideline change retroactive and require an updated valuation product after the property value has been approved according to guidelines. Please clear this finding. - Seller-12/29/2025 <br> Ready for Review-guideline was updated XXXX , this CU was completed XXXX please clear. - Seller-12/17/2025 | Waived-Document Uploaded. Originator waiver applied to non-material finding. Exception to allow the use of the prior guides for the appraisal review. CU completed prior to the guideline change. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2138665 | XXXX C B A | Closed | finding-3532 | 2025-12-07 07:50 | 2025-12-19 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received CD XXXX with evidence of receipt. Finding resolved. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. please find the initial CD - Seller-12/17/2025 <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:"XXXX 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 issued 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. Statute of Limitations 3 years- Expiration date: XXXX. - Please provide borrower's acknowledgment of CD issued XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-12/07/2025 | Ready for Review-Document Uploaded. please find the initial CD - Seller-12/17/2025<br>| Resolved------Received CD XXXX with evidence of receipt. Finding resolved. - Due Diligence Vendor-12/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138658 | XXXX C B A | Closed | FCRE1194 | 2025-12-17 08:33 | 2025-12-17 12:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Waived with lenders exception. Appraised value came in at XXXX and borrower is looking for XXXX loan amount. Exception to allow borrower to go 80% LTV with a 660 FICO.<br> Edit Delete - Due Diligence Vendor-12/17/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lenders Exception<br> Appraised value came in at XXXX and borrower is looking for XXXX loan amount; requesting exception to allow borrower to go 80% LTV with a 660 FICO. - Due Diligence Vendor-12/17/2025 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Waived with lenders exception. Appraised value came in at XXXX and borrower is looking for XXXX loan amount. Exception to allow borrower to go 80% LTV with a 660 FICO.<br> Edit Delete - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 21.13 months reserves exceed required 6 by 15.13 months.<br>Qualifying DTI below maximum allowed - DTI 35.38% is lower than allowable 50% Required is 50 Borrower has 35.38 | # of Months Reserves- 6<br> DTI – 35%<br> Ltv/cltv – 80<br> FICO - 660<br> # OF TRADELINES - 46<br> Year of monthly payments - 26<br> Years on the Job- 25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2138700 | XXXX C A | Closed | FCRE0137 | 2026-01-16 17:54 | 2026-01-21 06:26 | Resolved | 1 - Information C A | Credit | Eligibility | Subject property is listed for sale | Resolved-Subject listed for sale and removed in XXXX; listed for rent. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. prop not listed for sale please see XXXX - Seller-01/20/2026 <br> Open-UW to confirm there is no evidence the home is listed for sale. . - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. prop not listed for sale please see XXXX - Seller-01/20/2026 | Resolved-Subject listed for sale and removed in XXXX; listed for rent. - Due Diligence Vendor-01/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Months Reserves exceed minimum required - 3 months required, subject 7 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | 2138700 | XXXX C A | Closed | FCRE1491 | 2025-12-24 09:13 | 2026-01-16 17:54 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Final Settlement Statement for non - subject REO - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. borrower refinanced another property please find that FSS showing cash to bwr of 20k please clear. - Seller-01/15/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Per the application the borrower is obtaining $11,500 in secured borrowed funds. No verification of these funds was identified in the file. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. borrower refinanced another property please find that FSS showing cash to bwr of 20k please clear. - Seller-01/15/2026<br>| Resolved-Received Final Settlement Statement for non - subject REO - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Months Reserves exceed minimum required - 3 months required, subject 7 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | 2138700 | XXXX C A | Closed | FCRE0082 | 2025-12-24 08:41 | 2026-01-16 17:52 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Final Title - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. please find the FTP showing XXXX stays LLC please clear - Seller-01/15/2026 <br> Open-Vested Owner Signature Requirement Not met. The LLC in title is XXXX. No documentation of this LLC articles with membership information was identified in the file. Without we cannot verify continuity of property ownership by the borrower as the LLC in title is XXXX. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. please find the FTP showing XXXX stays LLC please clear - Seller-01/15/2026 | Resolved-Received Final Title - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Months Reserves exceed minimum required - 3 months required, subject 7 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | 2138656 | XXXX C A | Closed | FCRE1437 | 2026-01-09 10:59 | 2026-01-14 16:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received CPA letter and Real Estate Broker License. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. The borrower has been a licensed real estate broker since XXXX. Even though the company was established on XXXX per the letter from the CPA that has processed his tax returns for past ten years he has self employed. This is enough evidence the borrower has been in the same line of work for over 2 years. Please clear finding. - Seller-01/13/2026 <br> Open-Income and Employment Do Not Meet Guidelines File is missing Verification of Full 2-Year Employment History. Current VOE is for 1.5 Years. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. The borrower has been a licensed real estate broker since XXXX. Even though the company was established on XXXX per the letter from the CPA that has processed his tax returns for past ten years he has self employed. This is enough evidence the borrower has been in the same line of work for over 2 years. Please clear finding. - Seller-01/13/2026 | Resolved-Received CPA letter and Real Estate Broker License. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - LTV 60.87% is lower than maximum 80% Required is 80 Borrower has 60.87<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 660 Required is 660 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138656 | XXXX C A | Closed | FCRE1510 | 2026-01-02 09:22 | 2026-01-12 13:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Mortgage with legal description provided. Please clear finding. - Seller-01/09/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Mortgage with legal description provided. Please clear finding. - Seller-01/09/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - LTV 60.87% is lower than maximum 80% Required is 80 Borrower has 60.87<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 660 Required is 660 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138656 | XXXX C A | Closed | finding-3634 | 2026-01-02 10:04 | 2026-01-12 12:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for fees. Finding Resolved. - 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 $560.00.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). - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. COC for the origination fee, tangible taxes and transfer taxes provided. Please clear finding. - Seller-01/09/2026 <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 $3,249.40.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 $3,249.40 (Origination fee, tangible taxes and 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 $3,249.40, 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-01/02/2026 | Ready for Review-Document Uploaded. COC for the origination fee, tangible taxes and transfer taxes provided. Please clear finding. - Seller-01/09/2026<br>| Resolved-----Received COC for fees. Finding Resolved. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - LTV 60.87% is lower than maximum 80% Required is 80 Borrower has 60.87<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 660 Required is 660 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138656 | XXXX C A | Closed | finding-3532 | 2026-01-02 11:35 | 2026-01-12 12:29 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received Signed CD. Finding Resolved. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Confirmation of CD issue XXXX provided, please clear finding. - Seller-01/09/2026 <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-01/02/2026 | Ready for Review-Document Uploaded. Confirmation of CD issue XXXX provided, please clear finding. - Seller-01/09/2026 | Resolved-----Received Signed CD. Finding Resolved. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - LTV 60.87% is lower than maximum 80% Required is 80 Borrower has 60.87<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 660 Required is 660 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138729 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | FCRE9488 | 2026-01-24 10:58 | 2026-02-11 13:55 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-LOE received from Borrower confirming use of 2nd Home at least 14+ days per year. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Email from borrower confirming occupying of the property through out the year provided. Please clear. - Seller-02/11/2026 <br>Counter-Provide letter of explanation confirming borrowers will occupy a minimum of 14 days per year, confirmation of exclusive control of property (no rental management agreements). Finding remains. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-The subject property is a second home. It is reasonable to expect that a second home would be used to generate short-term rental (STR) income when not occupied by the borrower, particularly given that the borrower occupies the property only a few months out of the year. This is an income-qualified second home transaction, and no rental income from the property was used to qualify for the loan. Please clear finding. - Seller-01/30/2026 <br>Open-Per the homeowners insurance policy declaration in the file the occupancy of the subject property is Short-Term rental. A letter of explanation is required to address. Additional stipulations may apply. - Due Diligence Vendor-01/24/2026 | Ready for Review-Document Uploaded. Email from borrower confirming occupying of the property through out the year provided. Please clear. - Seller-02/11/2026 <br>Ready for Review-The subject property is a second home. It is reasonable to expect that a second home would be used to generate short-term rental (STR) income when not occupied by the borrower, particularly given that the borrower occupies the property only a few months out of the year. This is an income-qualified second home transaction, and no rental income from the property was used to qualify for the loan. Please clear finding. - Seller-01/30/2026<br>| Resolved-LOE received from Borrower confirming use of 2nd Home at least 14+ days per year. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | FCRE1194 | 2026-01-26 17:28 | 2026-02-02 16:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for use of appraised value vs acquisition and improvements, applied to non material finding with comp factors - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Exception was made to use the appraisal value. Please clear finding. - Seller-01/30/2026 <br> Open-Audited LTV of XX exceeds Guideline LTV of 75% - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Exception was made to use the appraisal value. Please clear finding. - Seller-01/30/2026<br>| Waived-Originator provided a waiver for use of appraised value vs acquisition and improvements, applied to non material finding with comp factors - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. | Reserves: 8 months verified<br> Years at residence: 10.5 years at current residence | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | finding-3634 | 2026-01-16 10:53 | 2026-02-02 09:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-The extension fee shown on the COC from XXXX went from 0.00 to 441.79, then on XXXX it went from 441.79 to 1,767.15 on the same date from 1,767.15 to 1,802.49. The amount on the CD issued XXXX is the same amount show on XXXX 1,802.49. Please clear finding. - Seller-01/30/2026 <br> Ready 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $35.49.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-01/29/2026 <br> Ready for Review-Document Uploaded. COCs for the loan origination fee and rate lock extensions provided. Please clear finding. - Seller-01/28/2026 <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 $1,943.45.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 $1943.45 (Origination, extension) 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 $1943.45, 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.<br> - Due Diligence Vendor-01/16/2026 | Ready for Review-The extension fee shown on the COC from XXXX went from 0.00 to 441.79, then on XXXX it went from 441.79 to 1,767.15 on the same date from 1,767.15 to 1,802.49. The amount on the CD issued XXXX is the same amount show on XXXX 1,802.49. Please clear finding. - Seller-01/30/2026 <br> Ready for Review-Document Uploaded. COCs for the loan origination fee and rate lock extensions provided. Please clear finding. - Seller-01/28/2026 | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | FCRE1437 | 2026-01-24 11:00 | 2026-01-29 14:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received XXXX statement - supports income used - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. XXXX statement provided, please clear finding. - Seller-01/28/2026 <br> Open-Income and Employment Do Not Meet Guidelines The subject loan is a 12 month bank statement loan. The XXXX bank statement was not identified in the file. Income was calculated with the 11 months provided and verified slightly less. - Due Diligence Vendor-01/24/2026 | Ready for Review-Document Uploaded. November XXXX statement provided, please clear finding. - Seller-01/28/2026 | Resolved-Received XXXX statement - supports income used - Due Diligence Vendor-01/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | FCRE0200 | 2026-01-26 06:21 | 2026-01-29 14:46 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received Payment Letter and Verification No HOA - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. First payment letter provided showing due XXXX, letter also includes the property tax and insurance amount. There is not HOA for this property. Please clear finding. - Seller-01/28/2026 <br> Open-Property XXXX was refinanced with a new mortgage XXXX. The payment is listed as XXXX. No verification of this payment was identified in the file. Additionally, it is unknown when the first payment would be due. Verification of these items is required. Additional stipulations may apply. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. First payment letter provided showing due XXXX, letter also includes the property tax and insurance amount. There is not HOA for this property. Please clear finding. - Seller-01/28/2026 | Resolved-Received Payment Letter and Verification No HOA - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | FCRE1510 | 2026-01-16 10:12 | 2026-01-29 14:44 | 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-01/29/2026 <br>Ready for Review-Document Uploaded. Deed of Trust with legal description attached provided. Please clear finding. - Seller-01/28/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Deed of Trust with legal description attached provided. Please clear finding. - Seller-01/28/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | finding-3939 | 2026-01-16 10:53 | 2026-01-29 10:13 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-----Received LE dated XXXX. Finding Resolved. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. LE issued XXXX, documentation provided. Please clear finding. - Seller-01/28/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. -----Loan locked on XXXX with no COC or revised LE. The next revised LE was sent on XXXX. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. LE issued XXXX, documentation provided. Please clear finding. - Seller-01/28/2026 | Resolved-----Received LE dated XXXX. Finding Resolved. - Due Diligence Vendor-01/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138674 | XXXX C B A | Closed | finding-3532 | 2026-01-16 10:53 | 2026-01-29 10:13 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received Proof of borrower's receipt of initial CD. Finding Resolved. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Confirmation of delivery for the initial CD XXXX provided. Please clear finding. - Seller-01/28/2026 <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:"XXXX 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.<br> - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Confirmation of delivery for the initial CD XXXX provided. Please clear finding. - Seller-01/28/2026 | Resolved-----Received Proof of borrower's receipt of initial CD. Finding Resolved. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 674.<br>Months Reserves exceed minimum required - 6 months required, subject 8.41 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138739 | XXXX C A | Closed | FCRE1254 | 2026-01-26 07:11 | 2026-02-17 15:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received email from the borrower confirming he is the only owner of the private road. No agreement required. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. The borrower is only owner for the private road, see email confirmation. Please clear. - Seller-02/17/2026 <br>Counter-The guidelines indicate a road maintenance agreement is required for private road access. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. A survey was received which outlines the private road access easement. Please clear finding.. - Seller-02/05/2026 <br>Open-Property Title Issue Item B 10 a. states the title company is not satisfied as to the insurability of access to and from the land. Subject is on a private road. Per the applicable guidelines a road maintenance agreement is required for private road access. This documentation was not identified in the file. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. The borrower is only owner for the private road, see email confirmation. Please clear. - Seller-02/17/2026 <br>Ready for Review-Document Uploaded. A survey was received which outlines the private road access easement. Please clear finding.. - Seller-02/05/2026<br>| Resolved-Received email from the borrower confirming he is the only owner of the private road. No agreement required. - Due Diligence Vendor-02/17/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 727 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138739 | XXXX C A | Closed | FPRO1249 | 2026-01-26 07:25 | 2026-01-29 15:04 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-File contains documentation that Originator considered suburban . TPR and appraiser considered rural however, originator considered suburban. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 3 minutes from the XXXX XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up, and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. Please clear finding. - Seller-01/28/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Loan is considered rural by appraiser and TPR. Provide confirmation that originator did not categorize the property as rural, if determined to be rural, additional findings may apply - Due Diligence Vendor-01/26/2026 | Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 3 minutes from the XXXX XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up, and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. Please clear finding. - Seller-01/28/2026 | Resolved-File contains documentation that Originator considered suburban . TPR and appraiser considered rural however, originator considered suburban. - Due Diligence Vendor-01/29/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 727 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138677 | XXXX D A | Closed | FCRE5782 | 2026-01-27 14:45 | 2026-02-04 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. udm for review please review all dates on the document. - Seller-02/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. udm for review please review all dates on the document. - Seller-02/02/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.76 Required is 50 Borrower has 37.76<br>LTV is less than guideline maximum - Required is 80 Borrower has 55 Required is 80 Borrower has 55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 803 Required is 600 Borrower has 803 |  | 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 | XXXX |
| XXXX | 2138728 | XXXX D A | Closed | FCRE1145 | 2026-01-27 10:25 | 2026-02-02 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title and 24 month chain of title. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Title report provided, please clear finding. - Seller-01/29/2026 <br>Open-Title Document is missing Provide title documentation. Additional condition may apply - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. Title report provided, please clear finding. - Seller-01/29/2026<br>| Resolved-Received preliminary title and 24 month chain of title. - Due Diligence Vendor-02/02/2026<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 680 Borrower has 746 Required is 680 Borrower has 746 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138733 | XXXX C A | Closed | FCRE1510 | 2026-01-27 09:35 | 2026-02-02 09:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. DOT with legal description provided, please clear finding. - Seller-01/29/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. DOT with legal description provided, please clear finding. - Seller-01/29/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 724 is higher than the required 620 Required is 620 Borrower has 724<br>LTV is less than guideline maximum - LTV 60% is lower than maximum 80% Required is 80 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138717 | XXXX C A | Closed | FCRE1510 | 2026-01-27 10:20 | 2026-02-04 16:03 | 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-02/04/2026 <br>Ready for Review-Document Uploaded. dot legal - Seller-02/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. dot legal - Seller-02/02/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 780 is higher than the required 720 Required is 720 Borrower has 780<br>Months Reserves exceed minimum required - 14.30 months reserves exceed required 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138654 | XXXX D A C | Closed | finding-3652 | 2026-01-22 10:03 | 2026-02-26 11:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-The baseline amount for the Recording Fee on the final LE was $171.00. That set the baseline for the recording fee. The CD on XXXX disclosed a recording fee of $317.00, which would have created a $128.90 cure for the increase in the recording fee ($171.00 baseline + 10% = $188.10 tolerance amount and $317.00-$188.10 = $128.90 as the amount in excess of 10% tolerance). However, on the final CD on XXXX, title adjusted its calculation of the recording fee to $285.00, thus decreasing the cure to $285.00-$188.10 = $96.90.<br>As the baseline for the fees and credits is set by the final LE, our baseline for the recording fee was set at $171.00. Since the final recording fee was $285.00, we properly cured $96.90 for the increase in the recording fee. When combined with the $50.00 zero tolerance cure for the increase in the Appraisal Fee, on the final CD, we properly cured a total of $146.90 in excess of existing lender credit for the two tolerance violations.<br> - Seller-02/26/2026 <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 ($1,988.84) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,020.84). 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 $2020.84 to $1988.84 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $32, 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-01/22/2026 | Ready for Review-The baseline amount for the Recording Fee on the final LE was $171.00. That set the baseline for the recording fee. The CD on XXXX disclosed a recording fee of $317.00, which would have created a $128.90 cure for the increase in the recording fee ($171.00 baseline + 10% = $188.10 tolerance amount and $317.00-$188.10 = $128.90 as the amount in excess of 10% tolerance). However, on the final CD on XXXX, title adjusted its calculation of the recording fee to $285.00, thus decreasing the cure to $285.00-$188.10 = $96.90.<br>As the baseline for the fees and credits is set by the final LE, our baseline for the recording fee was set at $171.00. Since the final recording fee was $285.00, we properly cured $96.90 for the increase in the recording fee. When combined with the $50.00 zero tolerance cure for the increase in the Appraisal Fee, on the final CD, we properly cured a total of $146.90 in excess of existing lender credit for the two tolerance violations.<br> - Seller-02/26/2026 | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 63.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138654 | XXXX D A C | Closed | FCRE7497 | 2026-01-28 08:08 | 2026-02-04 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The lender confirmed the REO properties, owned free and clear, do not have HOI insurance. - Due Diligence Vendor-02/04/2026 <br>Counter-Finding Remains....Client provided tax bill for XXXX however still missing HOI for XXXX and XXXX - Due Diligence Vendor-02/03/2026 <br>Counter-Please provide HOI and re taxes as noted in finding for accurate reo expense consideration. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Taxes for XXXX provided. Neither of the two properties in question have an open mortgage; therefore, proof of HOI is not required. Please clear finding. - Seller-01/30/2026 <br>Open-Lender to provide the following:<br> (1) Verification of property XXXX home-owners insurance. <br> (2) Verification of taxes and insurance for property XXXX.<br> Additional conditions may apply, pending review. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Taxes for XXXX provided. Neither of the two properties in question have an open mortgage; therefore, proof of HOI is not required. Please clear finding. - Seller-01/30/2026<br>| Resolved-The lender confirmed the REO properties, owned free and clear, do not have HOI insurance. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 63.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138654 | XXXX D A C | Closed | FCRE1506 | 2026-01-28 08:38 | 2026-02-04 12:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The lender confirmed the REO properties, owned free and clear, do not have HOI insurance. - Due Diligence Vendor-02/04/2026 <br> Counter-Finding remains.... REO expenses still missing as stated in earlier finding - Due Diligence Vendor-02/03/2026 <br> Counter-Pending reo expenses. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. SOS for XXXX and taxes for XXXX provided. Neither of the two properties in question have an open mortgage; therefore, proof of HOI is not required. Please clear finding. - Seller-01/30/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. (1) Lender to provide evidence of at least 2 years of self-employment as required per guidelines.<br> (2) Missing documentation to verify full PITI(A) for REO props XXXX and XXXX. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. SOS for XXXX and taxes for XXXX provided. Neither of the two properties in question have an open mortgage; therefore, proof of HOI is not required. Please clear finding. - Seller-01/30/2026 | Resolved-The lender confirmed the REO properties, owned free and clear, do not have HOI insurance. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 63.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138654 | XXXX D A C | Closed | FCRE1317 | 2026-01-28 14:48 | 2026-02-03 14:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Proof the borrower has been SE for over 24 months provided. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. SOS for XXXX, please clear finding. - Seller-01/30/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Lender to provide evidence of at least 2 years of self-employment via a copy of the borrower's business license or a tax preparer letter meeting the requirements as laid out per guidelines. It should be noted that a copy of a XXXX of the borrower's business was provided in the loan file. However, XXXX (or other "third-party" materials) were not listed as eligible sources to use for employment verification. Additional conditions may apply, pending review. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. SOS for XXXX, please clear finding. - Seller-01/30/2026 | Resolved-Proof the borrower has been SE for over 24 months provided. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 63.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138654 | XXXX D A C | Closed | finding-3612 | 2026-01-22 10:03 | 2026-02-02 09:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. <br> - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. CD issued XXXX along with confirmation of receipt provided. Please clear finding. - Seller-01/30/2026 <br> Open-This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. ----- 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-01/22/2026 | Ready for Review-Document Uploaded. CD issued XXXX along with confirmation of receipt provided. Please clear finding. - Seller-01/30/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. <br> - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 63.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138654 | XXXX D A C | Closed | finding-3540 | 2026-01-22 10:03 | 2026-02-02 09:01 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved------Received borrower's acknowledgement of CD. Finding Resolved. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. CD issued XXXX with confirmation of delivery provided. Please clear finding. - Seller-01/30/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. CD issued XXXX with confirmation of delivery provided. Please clear finding. - Seller-01/30/2026 | Resolved------Received borrower's acknowledgement of CD. Finding Resolved. - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 63.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 | XXXX |
| XXXX | 2138655 | XXXX D A C | Closed | finding-3652 | 2026-01-22 09:53 | 2026-02-06 15:04 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for lender decrease. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Apologies, documents uploaded. - Seller-02/06/2026 <br> Counter-----Document for COC XXXX was not uploaded. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Provided the COC for XXXX and rate lock screen which shows pricing change from 101.00 to 100.125. Please clear finding. - Seller-02/04/2026 <br> Counter-----Received COC dated XXXX, Lender credit decreased on CD XXXX. Need CD dated within 3 days of COC. Finding Remains. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. COC for lender credit provided. Please clear finding. - Seller-01/30/2026 <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 ($715.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,363.00). 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 $5,363.00 to $715.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $4,648.00, 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. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Apologies, documents uploaded. - Seller-02/06/2026 <br> Ready for Review-Provided the COC for XXXX and rate lock screen which shows pricing change from 101.00 to 100.125. Please clear finding. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. COC for lender credit provided. Please clear finding. - Seller-01/30/2026 | Resolved-Received COC for lender decrease. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - DTI 39.84% is lower than allowable 50% Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 717 is higher than the required 680 Required is 680 Borrower has 717 |  | 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 | XXXX |
| XXXX | 2138655 | XXXX D A C | Closed | FCRE0113 | 2026-01-28 08:33 | 2026-02-06 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Client provided Amended Appraisal and occupancy has been updated - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Appraisal amended to show correct occupancy, please clear finding. - Seller-02/06/2026 <br> Counter-Finding remains....Appraisal is checked Vacant however it is obvious by the photos provided that the property is not vacant - Due Diligence Vendor-02/03/2026 <br> Counter-Received occupancy statement. Appraisal reflects as vacant. Finding remains. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. The borrower did not occupy the property at the time the renovations were being performed. However, the borrower executed an occupancy statement indicating that he would occupy the property. Please clear finding. - Seller-01/30/2026 <br> Open-The property shows Vacant, but the borrower has owned the property and is a cashout and was remolded, but has owned since XXXX. No comments from the appraiser that the property is O/O - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Appraisal amended to show correct occupancy, please clear finding. - Seller-02/06/2026 <br>Ready for Review-Document Uploaded. The borrower did not occupy the property at the time the renovations were being performed. However, the borrower executed an occupancy statement indicating that he would occupy the property. Please clear finding. - Seller-01/30/2026<br>| Resolved-Client provided Amended Appraisal and occupancy has been updated - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - DTI 39.84% is lower than allowable 50% Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 717 is higher than the required 680 Required is 680 Borrower has 717 |  | 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 | XXXX |
| XXXX | 2138655 | XXXX D A C | Closed | FCRE7806 | 2026-01-28 08:42 | 2026-02-06 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Client provided Inc Worksheet. Inc matches LM - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Final income worksheet provided. Please clear finding. - Seller-02/03/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing The Borrower 1 Bank Statement Summary/Lender Worksheet is missing. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Final income worksheet provided. Please clear finding. - Seller-02/03/2026<br>| Resolved-Client provided Inc Worksheet. Inc matches LM - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - DTI 39.84% is lower than allowable 50% Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 717 is higher than the required 680 Required is 680 Borrower has 717 |  | 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 | XXXX |
| XXXX | 2138655 | XXXX D A C | Closed | FCRE9488 | 2026-01-28 08:12 | 2026-02-03 10:12 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received notarized occupancy statement confirming subject as primary residence. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Executed occupancy statement provided, please clear finding. - Seller-01/30/2026 <br>Open-Provide a signed and dated occupancy statement that will support the borrower is in the property since the living statement pg 371 shows lived rent free at another address, but no cash out ltr that shows back in the property and the appraisal shows as Vacant. The home was being remolded per statement pg 245. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Executed occupancy statement provided, please clear finding. - Seller-01/30/2026<br>| Resolved-Received notarized occupancy statement confirming subject as primary residence. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - DTI 39.84% is lower than allowable 50% Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 717 is higher than the required 680 Required is 680 Borrower has 717 |  | 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 | XXXX |
| XXXX | 2138655 | XXXX D A C | Closed | FPRO1249 | 2026-01-28 08:28 | 2026-02-02 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved- Originator states subject is not Rural based upon property is located 11 minutes from the XXXX XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up and also has public electricity. Given these characteristics, it was determined that this property is not rural per our guidelines. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 11 minutes from the XXXX XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. Please clear finding. - Seller-01/30/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Loan is considered rural by appraiser and TPR. Provide confirmation that originator did not categorize the property as rural, if determined to be rural, additional findings may apply<br> On more than five (5) acres of land, - Due Diligence Vendor-01/28/2026 | Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 11 minutes from the XXXX XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. Please clear finding. - Seller-01/30/2026 | Resolved- Originator states subject is not Rural based upon property is located 11 minutes from the XXXX XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up and also has public electricity. Given these characteristics, it was determined that this property is not rural per our guidelines. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - DTI 39.84% is lower than allowable 50% Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 717 is higher than the required 680 Required is 680 Borrower has 717 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138723 | XXXX C A | Closed | FCRE9999 | 2026-01-27 16:26 | 2026-02-10 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received settlement statements reflecting total payoff. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. please find both final FSS paying off blanket loan - Seller-02/09/2026 <br>Open-The subject loan is one half of a transaction where a blanket loan is being paid off. Proof the blanket has been paid off and released is required. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. please find both final FSS paying off blanket loan - Seller-02/09/2026<br>| Resolved-Received settlement statements reflecting total payoff. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. The borrower has 50.79 months of reserves.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.248. Required is 0.75 Borrower has 1.248 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138724 | XXXX C A | Closed | FCRE9999 | 2026-01-27 16:58 | 2026-02-10 15:25 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received final settlement statements for both properties confirming paid in full - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. please find the fss for both loans, and blanket payoff - Seller-02/09/2026 <br>Open-The subject loan is one half of a transaction where a blanket loan is being paid off. Proof the blanket has been paid off and released is required. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. please find the fss for both loans, and blanket payoff - Seller-02/09/2026<br>| Resolved-Received final settlement statements for both properties confirming paid in full - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. The borrower has 51.29 months of reserves.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.248. Required is 0.75 Borrower has 1.248 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138749 | XXXX D A | Closed | FCRE0044 | 2026-01-28 12:35 | 2026-02-12 18:16 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Email from borrower stating the credit inquiries and cash out purpose provided. Please clear. - Seller-02/12/2026 <br>Open-LOX for credit inquiries is missing. A letter of explanation regarding the inquiries was not provided - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Email from borrower stating the credit inquiries and cash out purpose provided. Please clear. - Seller-02/12/2026<br>| Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 751 Required is 640 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.63 Required is 50 Borrower has 40.63 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138749 | XXXX D A | Closed | FCRE0184 | 2026-01-28 12:35 | 2026-02-12 18:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Rule False - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Email from borrower stating the credit inquiries and cash out purpose provided. Please clear. - Seller-02/12/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. A cash out letter was not provided - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Email from borrower stating the credit inquiries and cash out purpose provided. Please clear. - Seller-02/12/2026<br>| Resolved-Rule False - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 751 Required is 640 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.63 Required is 50 Borrower has 40.63 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138749 | XXXX D A | Closed | FCRE1440 | 2026-01-28 12:22 | 2026-02-10 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received missing payment histories. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Payments for December for XXXX, XXXX and XXXX provided as well as all payments for XXXX provided. Please clear finding. - Seller-02/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The housing history on the subject property XXXX, properties XXXX and XXXX only go up to XXXX. The housing history on property XXXX only goes up to XXXX. Updated housing history is required as the subject loan closed XXXX - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Payments for December for XXXX, XXXX and XXXX provided as well as all payments for XXXX provided. Please clear finding. - Seller-02/06/2026<br>| Resolved-Received missing payment histories. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 751 Required is 640 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.63 Required is 50 Borrower has 40.63 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138749 | XXXX D A | Closed | FCRE7497 | 2026-01-28 12:45 | 2026-02-10 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Missing REO documentation. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. Taxes, HOI and HOA for XXXX provided. Taxes and HOI included in payment for XXXX, per LOE no HOA for this property. The 2 other properties shown on the LOE in question are in the name of the LLC and are not required to be listed on the 1003, data tree screenshot confirms vestee. Please clear finding. - Seller-02/06/2026 <br>Open-1) Verification of the taxes, insurance and/or HOA for properties XXXX and XXXX were not identified in the file and are required. 2) The letter of explanation regarding the HOA indicates the borrower owns 2 additional properties. Documentation of the PITI for these properties along with payment histories were not identified in the file. Additional stipulations may apply. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Taxes, HOI and HOA for XXXX provided. Taxes and HOI included in payment for XXXX, per LOE no HOA for this property. The 2 other properties shown on the LOE in question are in the name of the LLC and are not required to be listed on the 1003, data tree screenshot confirms vestee. Please clear finding. - Seller-02/06/2026<br>| Resolved-Received Missing REO documentation. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 751 Required is 640 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.63 Required is 50 Borrower has 40.63 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138749 | XXXX D A | Closed | FCRE1145 | 2026-01-28 11:12 | 2026-02-03 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Full prelim provided, please clear finding. - Seller-01/30/2026 <br>Open-Title Document is missing The Title was not identified in the file. The original HUD-1 was used for the date of purchase and vesting. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Full prelim provided, please clear finding. - Seller-01/30/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 751 Required is 640 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.63 Required is 50 Borrower has 40.63 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138730 | XXXX C B A | Closed | FCRE0068 | 2026-01-28 09:52 | 2026-02-04 16:10 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver for minimum equity < $40,000, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. credit exception - Seller-02/02/2026 <br> Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Minimum Equity Requirement $40,000 has NOT been met<br> Loan amount XXXX and the appraisal value XXXX - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. credit exception - Seller-02/02/2026<br>| Waived-Originator provided a waiver for minimum equity < $40,000, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 760 is higher than the required 720 Required is 720 Borrower has 760<br>Months Reserves exceed minimum required - 3 months required - borrower has 101.48 months reserves | FICO: 760<br> Reserves: 225 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2141286 | XXXX C A | Closed | FCRE1510 | 2026-01-22 13:16 | 2026-02-04 16:05 | 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-02/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75% Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 756 is higher than the required 660 Required is 660 Borrower has 756 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138697 | XXXX C A | Closed | FCRE6843 | 2026-01-28 15:33 | 2026-02-20 17:48 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received clarification on the EMD discrepancy. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-due dill is mentioned in the contract for part of the deposit, this not for anything else on file. please clear. - Seller-02/18/2026 <br> Counter-Two Cashier checks provide. The Memo for 1 is for the EMD in the amount of $1,500.00. The Cashier check states in the Memo Due Diligence. Please clarify or provided the second XXXX of the EMD. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. please find - Seller-02/11/2026 <br> Open-Missing verification to document the 2nd half of the EMD deposit of $1,500 ($3,000 total). Received a copy of 2 cashier's checks for $1,500 each - one was for half of the EMD and the other was the Due Diligence fee - Due Diligence Vendor-01/28/2026 | Ready for Review-due dill is mentioned in the contract for part of the deposit, this not for anything else on file. please clear. - Seller-02/18/2026 <br>Ready for Review-Document Uploaded. please find - Seller-02/11/2026<br>| Resolved-Received clarification on the EMD discrepancy. - Due Diligence Vendor-02/19/2026<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 748 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2138697 | XXXX C A | Closed | FVAL2477 | 2026-01-28 15:43 | 2026-02-13 17:52 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received Revised Appraisal. Appraiser state common and typical for the area. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. please find updated appraisal with comments - Seller-02/12/2026 <br>Open-Missing comment from appraiser if log style homes are typical for the area<br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. please find updated appraisal with comments - Seller-02/12/2026<br>| Resolved-Received Revised Appraisal. Appraiser state common and typical for the area. - Due Diligence Vendor-02/13/2026<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 748 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2138697 | XXXX C A | Closed | FCRE6844 | 2026-01-28 15:30 | 2026-02-13 17:47 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received wire receipt. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. please find the gift funds wire - Seller-02/11/2026 <br>Open-Missing evidence of gift funds wire from donor to closing for $20,500 - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. please find the gift funds wire - Seller-02/11/2026<br>| Resolved-Received wire receipt. - Due Diligence Vendor-02/13/2026<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 748 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2138716 | XXXX C A | Closed | FCRE1254 | 2026-01-28 13:39 | 2026-02-09 12:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Client provided Release of Condemnation - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. please find the doc showing satisfied. - Seller-02/05/2026 <br>Open-Property Title Issue The Title Report, Requirements Item 10 reflects that satisfaction and release of record order of condemnation is required. The file does not contain a documentation to verify that this has been satisfied. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. please find the doc showing satisfied. - Seller-02/05/2026<br>| Resolved-Client provided Release of Condemnation - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - Borrower has 110 months reserves. Guidelines require 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 Required is 680 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2141285 | XXXX C B A | Closed | FCRE1492 | 2026-01-28 15:35 | 2026-02-13 14:50 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors - Cash Out > $500k - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Credit exception was granted. Please clear finding. - Seller-02/02/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Guidelines state maximum cash-out for an LTV > 65% is $500,000. Subject LTV is XX. Borrower received XXXX in cash proceeds. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Credit exception was granted. Please clear finding. - Seller-02/02/2026<br>| Waived-Originator Waiver applied to Non-Material Finding with Comp Factors - Cash Out > $500k - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 25.43. Required is 50 Borrower has 25.43<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 700. Required is 680 Borrower has 743 | Top Tier Fico<br> Low DTI | 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 | Originator Post-Close | Yes | XXXX |
| XXXX | 2141285 | XXXX C B A | Closed | FCRE0075 | 2026-01-29 08:28 | 2026-02-12 11:32 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Letter of explanation was provided from the borrower. All debts were disclosed. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. LOE for item F on the 1003 provided. Please clear. - Seller-02/11/2026 <br> Counter-Reviewed 1003 - BLANK except for Declarations Page. Dated PRIOR to Final 1003 and Signature does not match. Please provide LOE from Borrower and/or documentation for Co-signed Debt. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Executed 1003 item F is marked No. Please clear finding. - Seller-02/09/2026 <br> Counter-Finding Remains.... Per borrowers final 1003 F in declarations is marked Yes. Please provide documentation supporting debt not disclosed on Application - Due Diligence Vendor-02/03/2026 <br> Ready for Review-In XXXX, one spouse can apply for a mortgage or loan individually based on their own creditworthiness, but the non-borrowing spouse must sign the mortgage documents (deed of trust) to waive homestead rights. XXXX signed the documents, please clear finding. - Seller-02/02/2026 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. LOE for item F on the 1003 provided. Please clear. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. Executed 1003 item F is marked No. Please clear finding. - Seller-02/09/2026 <br> Ready for Review-In XXXX, one spouse can apply for a mortgage or loan individually based on their own creditworthiness, but the non-borrowing spouse must sign the mortgage documents (deed of trust) to waive homestead rights. XXXX signed the documents, please clear finding. - Seller-02/02/2026 | Resolved-Letter of explanation was provided from the borrower. All debts were disclosed. - Due Diligence Vendor-02/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 25.43. Required is 50 Borrower has 25.43<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 700. Required is 680 Borrower has 743 |  | 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 | XXXX |
| XXXX | 2141285 | XXXX C B A | Closed | finding-3532 | 2026-01-23 11:26 | 2026-02-03 11:28 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received proof of borrower's receipt. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Confirmation of delivery for CD issued XXXX provided. Please clear finding. - Seller-02/02/2026 <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:"XXXX 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. -----Please provide evidence that the borrower acknowledged the revised closing disclosure 3 days prior to consummation. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Confirmation of delivery for CD issued XXXX & XXXX provided. Please clear finding. - Seller-02/02/2026 | Resolved------Received proof of borrower's receipt. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 25.43. Required is 50 Borrower has 25.43<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 700. Required is 680 Borrower has 743 |  | 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 | XXXX |
| XXXX | 2141285 | XXXX C B A | Closed | finding-3652 | 2026-01-23 11:26 | 2026-02-03 11:28 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received acknowledge for decrease in fees. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. COC for lender credit provided, please clear finding. - Seller-02/02/2026 <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 ($12,565.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,800.00). 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 $12,800 to $12,565 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $235.00, 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. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. COC for lender credit provided, please clear finding. - Seller-02/02/2026<br>| Resolved-----Received acknowledge for decrease in fees. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 25.43. Required is 50 Borrower has 25.43<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 700. Required is 680 Borrower has 743 |  | 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 | XXXX |
| XXXX | 2141285 | XXXX C B A | Closed | finding-3634 | 2026-01-23 11:26 | 2026-02-03 11:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received acknowledgement of change in fees. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. COC for the rate lock extension provided. Please clear finding. - Seller-02/02/2026 <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 $2,425.00.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 $2340.00 (Rate Lock Extension) without a valid COC in file. Lender credit in the amount of $85.00 was issued on Final CD for increase in Appraisal Fee. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2340.00, 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-01/23/2026 | Ready for Review-Document Uploaded. COC for the rate lock extension provided. Please clear finding. - Seller-02/02/2026<br>| Resolved------Received acknowledgement of change in fees. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 25.43. Required is 50 Borrower has 25.43<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 700. Required is 680 Borrower has 743 |  | 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 | XXXX |
| XXXX | 2138719 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  | XXXX |
| XXXX | 2138701 | XXXX D A | Closed | FCRE8887 | 2026-01-28 17:06 | 2026-02-09 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Per Settlement Statement - loan closed XXXX - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. FSS showing the settlement and disbursement date XXXX, please clear finding. - Seller-02/09/2026 <br> Open-Final 1003 was signed by the borrower on XXXX, loan closed on XXXX. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. FSS showing the settlement and disbursement date XXXX, please clear finding. - Seller-02/09/2026 | Resolved-Per Settlement Statement - loan closed XXXX - Due Diligence Vendor-02/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744<br>Months Reserves exceed minimum required - 3 months required, 64 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138701 | XXXX D A | Closed | FCRE0184 | 2026-01-28 14:27 | 2026-02-03 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Client provided Cash Out letter - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Copy of email email regarding intention of cash out provided. Please clear finding. - Seller-02/02/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. A Cash out letter was not identified in the file. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Copy of email email regarding intention of cash out provided. Please clear finding. - Seller-02/02/2026<br>| Resolved-Client provided Cash Out letter - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744<br>Months Reserves exceed minimum required - 3 months required, 64 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138713 | XXXX C A | Closed | FCRE1441 | 2026-01-29 09:08 | 2026-03-10 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Upon further review, Charged-off Second guideline requirements have been met. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Per XXXX guidelines 6.10 (d) "At its discretion, XXXX may choose to treat a second mortgage that has been charged-off or inactive for more than 3 years as a consumer account and not a mortgage rating. The charged-off second mortgage must be paid through the loan. Documentation must be provided to document that the account has been charged-off or inactive. Additionally, the borrower must provide a Letter of Explanation regarding the second." This is a charged off second being collected by a collection agency. The second is being paid off through the loan and the borrower provided an LOE. Please clear finding. - Seller-03/10/2026 <br> Counter-VOM from XXXX clearly states that borrower was late 12 time in the past 12 months. Appears to be rolling late. GL specifically speaks to late payments, Exception will be needed to clear this finding - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. Payment history provided, please clear. - Seller-03/04/2026 <br> Counter-Finding remains...Provide 6 months of bank statements or cancelled checks reflecting payments made. Original creditor was XXXX, this does not appear on CR. Other conditions may apply - Due Diligence Vendor-02/09/2026 <br> Ready for Review-XXXX went out of business, and the loan matured on XXXX. After maturity loan servicing ceased; however, the lien remained of record. The borrower subsequently began making payments in an effort to obtain a lien release. Since the loan's maturity, the VOM does not disclose any payments received. Please clear finding. - Seller-02/06/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements The current second lien on the subject property is due for the XXXX payment. The borrower has a letter of explanation in the file that states he was not aware there was a second lien when he made the original transaction. The explanation states the borrower is now paying since XXXX however the verification of mortgage does not verify this. - Due Diligence Vendor-01/29/2026 | Ready for Review-Per XXXX guidelines 6.10 (d) "At its discretion, XXXX may choose to treat a second mortgage that has been charged-off or inactive for more than 3 years as a consumer account and not a mortgage rating. The charged-off second mortgage must be paid through the loan. Documentation must be provided to document that the account has been charged-off or inactive. Additionally, the borrower must provide a Letter of Explanation regarding the second." This is a charged off second being collected by a collection agency. The second is being paid off through the loan and the borrower provided an LOE. Please clear finding. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. Payment history provided, please clear. - Seller-03/04/2026 <br> Ready for Review-XXXX went out of business, and the loan matured on XXXX. After maturity loan servicing ceased; however, the lien remained of record. The borrower subsequently began making payments in an effort to obtain a lien release. Since the loan's maturity, the VOM does not disclose any payments received. Please clear finding. - Seller-02/06/2026 | Resolved-Upon further review, Charged-off Second guideline requirements have been met. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 705 Required is 620 Borrower has 705<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138713 | XXXX C A | Closed | FCRE1440 | 2026-01-29 09:08 | 2026-03-10 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, Charged-off Second guideline requirements have been met. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Per XXXX guidelines 6.10 (d) "At its discretion, XXXX may choose to treat a second mortgage that has been charged-off or inactive for more than 3 years as a consumer account and not a mortgage rating. The charged-off second mortgage must be paid through the loan. Documentation must be provided to document that the account has been charged-off or inactive. Additionally, the borrower must provide a Letter of Explanation regarding the second." This is a charged off second being collected by a collection agency. The second is being paid off through the loan and the borrower provided an LOE. Please clear finding. - Seller-03/10/2026 <br> Counter-VOM from XXXX clearly states that borrower was late 12 time in the past 12 months. Appears to be rolling late - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Payment history provided, please clear. - Seller-03/04/2026 <br> Counter-Finding remains...Provide 6 months of bank statements or cancelled checks reflecting payments made - Due Diligence Vendor-02/09/2026 <br> Ready for Review-XXXX went out of business, and the loan matured on XXXX. After maturity loan servicing ceased; however, the lien remained of record. The borrower subsequently began making payments in an effort to obtain a lien release. Since the loan's maturity, the VOM does not disclose any payments received. Please clear finding. - Seller-02/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The current second lien on the subject property is due for the XXXX payment. The borrower has a letter of explanation in the file that states he was not aware there was a second lien when he made the original transaction. The explanation states the borrower is now paying since XXXX however the verification of mortgage does not verify this. - Due Diligence Vendor-01/29/2026 | Ready for Review-Per XXXX guidelines 6.10 (d) "At its discretion, XXXX may choose to treat a second mortgage that has been charged-off or inactive for more than 3 years as a consumer account and not a mortgage rating. The charged-off second mortgage must be paid through the loan. Documentation must be provided to document that the account has been charged-off or inactive. Additionally, the borrower must provide a Letter of Explanation regarding the second." This is a charged off second being collected by a collection agency. The second is being paid off through the loan and the borrower provided an LOE. Please clear finding. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. Payment history provided, please clear. - Seller-03/04/2026 <br> Ready for Review-XXXX went out of business, and the loan matured on XXXX. After maturity loan servicing ceased; however, the lien remained of record. The borrower subsequently began making payments in an effort to obtain a lien release. Since the loan's maturity, the VOM does not disclose any payments received. Please clear finding. - Seller-02/06/2026 | Resolved-Upon further review, Charged-off Second guideline requirements have been met. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 705 Required is 620 Borrower has 705<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138732 | XXXX D B A | Closed | FCRE0068 | 2026-01-29 13:27 | 2026-02-17 14:47 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator Waiver applied to Non-Material Finding - Remaining equity is less than $40,000 - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. exception please clear. - Seller-02/12/2026 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. $39,000 remaining equity is less than the required $40,000. No exception was identified in the file. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. exception please clear. - Seller-02/12/2026<br>| Waived-Originator Waiver applied to Non-Material Finding - Remaining equity is less than $40,000 - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.94 | LTV = 75%<br> FICO = 749<br> # of Tradelines = 6 Open<br> Years at Present Address = 2.2 Years<br> Benefit to Borrwer = Cash Out | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2138732 | XXXX D B A | Closed | FCRE8887 | 2026-01-26 08:38 | 2026-02-17 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received updated 1003 - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. section M completed please clear. - Seller-02/12/2026 <br>Open-Declarations 5 M. incomplete. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. section M completed please clear. - Seller-02/12/2026<br>| Resolved-Received updated 1003 - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138732 | XXXX D B A | Closed | FCRE9999 | 2026-01-29 11:59 | 2026-02-17 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Final Title Policy received indicating all liens paid - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. ftp is uploaded loan is paid off and cleared of liens please clear. - Seller-02/13/2026 <br>Open-1) The Payoff letter in file shows an incorrect address - An updated payoff showing the correct property address is required. 2) The subject loan is the refinance of a cross collateral loan. Provide documentation prior liens paid off and released. Additional conditions may apply. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. ftp is uploaded loan is paid off and cleared of liens please clear. - Seller-02/13/2026<br>| Resolved-Final Title Policy received indicating all liens paid - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138732 | XXXX D B A | Closed | FCRE1254 | 2026-01-29 13:19 | 2026-02-17 14:41 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Policy received indicating all liens paid - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. please find the ftp and clear finding all loans and liens are paid off. - Seller-02/13/2026 <br>Open-Property Title Issue Schedule B, part I item 6 shows a loan with a different loan amount and date from the note in file from the previous paid off lien. The lender is the same. The discrepancy needs addressing, additionally a chain of title. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. please find the ftp and clear finding all loans and liens are paid off. - Seller-02/13/2026<br>| Resolved-Final Title Policy received indicating all liens paid - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138722 | XXXX C B A | Closed | FCRE0068 | 2026-01-29 15:08 | 2026-02-04 16:15 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver for minimum equity < $40,000, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. credit exception - Seller-02/02/2026 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. credit exception - Seller-02/02/2026<br>| Waived-Originator provided a waiver for minimum equity < $40,000, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 749<br>Months Reserves exceed minimum required - 3 months required subject 84.25 months | FICO: 749<br> Residence: over 2 years at primary residence. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 2138690 | XXXX C A | Closed | FCRE1510 | 2026-01-26 08:52 | 2026-02-04 16:17 | 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-02/04/2026 <br>Ready for Review-Document Uploaded. dot with legal - Seller-02/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. dot with legal - Seller-02/02/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 741 is higher than the required 640 Required is 640 Borrower has 741<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2138704 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  | XXXX |
| XXXX | 2138744 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  | XXXX |
| XXXX | 2142194 | XXXX C B A | Closed | finding-3635 | 2026-03-03 13:21 | 2026-03-09 10:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received copy of Service provider list. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. SPL - Seller-03/04/2026 <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% ($4,382.00) exceed the comparable charges ($3,409.00) 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 (Search fee, Settlement closing fee, EDoc fee, Overnight fee, Service fee, Title Updates fee, Endorsement fee, and Wire Transfer fee) increased by $1,123.00 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 $632.10, 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. Unable to test properly at this time, missing SPL, please provide. Additional findings may apply upon receipt. <br> - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. SPL - Seller-03/04/2026<br>| Resolved-----Received copy of Service provider list. Finding Resolved. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.33 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2142194 | XXXX C B A | Closed | FCOM1978 | 2026-03-03 14:02 | 2026-03-09 10:34 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received signed intent to proceed. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. intent to proceed - Seller-03/04/2026 <br>Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. intent to proceed - Seller-03/04/2026<br>| Resolved-Received signed intent to proceed. Finding Resolved. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.33 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2142194 | XXXX C B A | Closed | FCRE0025 | 2026-03-03 13:09 | 2026-03-06 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Resolved-Received revised post close 1003. Lender mistake. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. that selection on the 1003 was a mistake on our end... please see enclosed corrected 1003 - Seller-03/05/2026 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. that selection on the 1003 was a mistake on our end... please see enclosed corrected 1003 - Seller-03/05/2026<br>| Resolved-Received revised post close 1003. Lender mistake. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.33 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2142194 | XXXX C B A | Closed | FCOM1301 | 2026-03-03 14:36 | 2026-03-03 14:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Missing required Home Loan Toolkit disclosure. - Due Diligence Vendor-03/03/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Missing required Home Loan Toolkit disclosure. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.33 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX | 2029620 | XXXX C B A | Closed | finding-3635 | 2026-03-04 16:08 | 2026-03-10 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Final CD provided by lender, which shows the refund on the bottom of page 2. - Due Diligence Vendor-03/09/2026 <br> Counter-Received COC for increase on Cd XXXX, but not for the Increase on CD XXXX. Ten (10%) tolerance fees Recording Fees increased by $6.50 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 $6.50, 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-03/09/2026 <br> Ready for Review-Document Uploaded. recording fees coc - Seller-03/06/2026 <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% ($215.50) exceed the comparable charges ($166.00) 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 Fees increased by $49.50 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 $32.90, 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-03/04/2026 | Ready for Review-Document Uploaded. recording fees coc - Seller-03/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.8 Required is 50 Borrower has 18.8<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2029620 | XXXX C B A | Closed | FCRE0197 | 2026-03-05 13:57 | 2026-03-09 16:51 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller settlement statement. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. alta signed by sellers - Seller-03/06/2026 <br>Open-The Final SELLER CD/HUD is missing. Copy of Seller CD missing seller's signatures - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. alta signed by sellers - Seller-03/06/2026<br>| Resolved-Received final seller settlement statement. - Due Diligence Vendor-03/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.8 Required is 50 Borrower has 18.8<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2029620 | XXXX C B A | Closed | finding-3532 | 2026-03-04 16:08 | 2026-03-09 10:16 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received copy of borrower receipt. Finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. disclosure tracking and e consent - Seller-03/06/2026 <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:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. disclosure tracking and e consent - Seller-03/06/2026<br>| Resolved-Received copy of borrower receipt. Finding resolved. - Due Diligence Vendor-03/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.8 Required is 50 Borrower has 18.8<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2029620 | XXXX C B A | Closed | finding-3526 | 2026-03-04 16:23 | 2026-03-09 10:16 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received copy of borrower receipt. Finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. disclosure tracking and e consent - Seller-03/06/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. disclosure tracking and e consent - Seller-03/06/2026<br>| Resolved-Received copy of borrower receipt. Finding resolved. - Due Diligence Vendor-03/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.8 Required is 50 Borrower has 18.8<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 2029620 | XXXX C B A | Closed | FCRE8201 | 2026-03-05 14:14 | 2026-03-05 17:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow non-warrantable condo due to limits on windstorm coverage. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/05/2026 <br>Open-Lender Exception provided for non-warrantable condo due to limits on windstorm coverage - Due Diligence Vendor-03/05/2026 |  | Waived-Client exception granted to allow non-warrantable condo due to limits on windstorm coverage. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.8 Required is 50 Borrower has 18.8<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65 | Loan To Value 10%or more under requirement<br> Total Debt 10%ormoreunder requirement<br> Residual Income $3K or more |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | XXXX |
| XXXX | 2142193 | XXXX C A | Closed | FCRE1324 | 2026-03-09 11:25 | 2026-03-13 17:08 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received sign tax returns. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. signed returns - Seller-03/12/2026 <br>Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. signed returns - Seller-03/12/2026<br>| Resolved-Received sign tax returns. - Due Diligence Vendor-03/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777<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 | XXXX |
| XXXX | 2142193 | XXXX C A | Closed | FCRE1443 | 2026-03-09 12:03 | 2026-03-11 16:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Received updated printout. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. the following was in our file<br> XXXX asset balance used is as per XXXX statement provided.<br> XXXX asset balance used is as per XXXX printout provided.<br> - Seller-03/10/2026 <br> Open-Asset 2 Expired asset is 122 days old - max is 120 - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. the following was in our file<br> XXXX asset balance used is as per XXXX statement provided.<br> XXXX asset balance used is as per XXXX printout provided.<br> - Seller-03/10/2026 | Resolved-Received updated printout. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777<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 | XXXX |
| XXXX | 2142192 | XXXX D A | Closed | FCRE5782 | 2026-03-09 18:11 | 2026-03-12 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. GAP credit - Seller-03/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing, additional finding may apply. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. GAP credit - Seller-03/10/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739<br>LTV is less than guideline maximum - <br>Required is 85 Borrower has 72.6<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.2 |  | 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 | XXXX |
| XXXX | 2147762 | XXXX D A | Closed | FCRE7011 | 2026-03-18 10:35 | 2026-03-26 17:47 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received evidence of sufficient Rent Loss. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Income protection = property income (ie.: rent). 50k coverage is more than 6 months of rent. - Seller-03/25/2026 <br>Counter-Received policy reflecting $50k income protection limit. Insufficient rent loss coverage as 6 months coverage required. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. rent loss is 50k - Seller-03/20/2026 <br>Open-Rent Loss Coverage is Insufficient or Missing. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Income protection = property income (ie.: rent). 50k coverage is more than 6 months of rent. - Seller-03/25/2026 <br>Ready for Review-Document Uploaded. rent loss is 50k - Seller-03/20/2026<br>| Resolved-Received evidence of sufficient Rent Loss. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788<br>DSCR % greater than 1.20 - DSCR 1.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2147762 | XXXX D A | Closed | FCRE1158 | 2026-03-18 10:35 | 2026-03-26 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI premium and reflecting paid on settlement statement. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing premium amount on Declarations page - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received HOI premium and reflecting paid on settlement statement. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788<br>DSCR % greater than 1.20 - DSCR 1.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2147762 | XXXX D A | Closed | FCRE1206 | 2026-03-18 10:40 | 2026-03-23 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists missing title; title company - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788<br>DSCR % greater than 1.20 - DSCR 1.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2147762 | XXXX D A | Closed | FCRE1204 | 2026-03-18 10:40 | 2026-03-23 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-Fraud Report Shows Uncleared Alerts high alerts - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788<br>DSCR % greater than 1.20 - DSCR 1.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2147762 | XXXX D A | Closed | FCRE0700 | 2026-03-18 07:52 | 2026-03-23 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Closing Detail Statement Document is Missing - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received final settlement statement - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788<br>DSCR % greater than 1.20 - DSCR 1.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2147762 | XXXX D A | Closed | FCRE1182 | 2026-03-18 11:01 | 2026-03-23 16:51 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received underwriting summary. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received underwriting summary. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788<br>DSCR % greater than 1.20 - DSCR 1.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 2142191 | XXXX C B A | Closed | FCRE1200 | 2026-03-20 12:54 | 2026-03-24 14:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow the subject loan amount of XXXX, which is below the minimum required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-03/23/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. loan amount exception - Seller-03/23/2026<br>| Waived-Originator exception granted to allow the subject loan amount of XXXX, which is below the minimum required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.23 Required is 50 Borrower has 27.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 Required is 680 Borrower has 718 | FICO required is 680 Borrower has 718<br> 27.23% DTI with 50% max<br> 75% LTV with 80% max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 2142191 | XXXX C B A | Closed | FCRE0104 | 2026-03-23 10:38 | 2026-03-23 10:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator exception granted to allow PP in XXXX, Non-material waiver applied with comp factors. non-material due to FICO and DTI. - Due Diligence Vendor-03/23/2026 <br> Open-XXXX Permitted only on C-Corp and S-Corp legal entities\*\*\*This new rule appies to loans with a Note date AFTER XXXX \*\*\* See XX Prepayment Penalty Guide for Grading and what finding to use on the word document Finding comment: 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 "If loan closed in a business entity or Trust, the finding is waived to a 2/B. Finding comment: Waiver applied to non-material finding. Loan closed in entity name. <br>PPP are still NOT allowed on individually held loans; we would fire Prepayment Penalty is not allowed. This one CANNOT be cured <br>COMMENT: Prepayment Penalty is not allowed. Loan close Individually. A PPP cannot be applied to an individual or LLC in XXXX, only on a C-Corp or S-Corp. "<br> XXXX Not Permitted Loan amounts <$112,925 (for 2025) and permitted only on 3-4 residential units. Loan amount rerstriction does not apply to 5+units \*\*\*Check guidelines as some Lenders do not allow PPPs in this state <br> XXXX Requires state specific notive to borrower to be disclosed in the Note, Note Addendum or prepayment penalty rider \*\*\*Should the Note/Mortgage/Rider contain the 'Governing Laws' paragraph, the specific language is not needed to be present XXXX requires specific language: Do not sign this loan agreement before you read it. This loan agreement provides for the payment of a penalty if you wish to repay the loan prior to the date provided for repayment in the loan agreement. <br> XXXX PPP is permissible on business purpose loans. For 1-2 units loan amount =>$319,777. For 3-4 units and 5+ units loan amount restriction does not apply. <br> XXXX Max is 2% within the first 12 months only \*\*\*Check guidelines as some Lenders do not allow PPPs in this state Lenders may exceed this limitation as long it does not exceed 60 months. \*\*\*Check Lender guidelines as some lenders do not allow PPPs in this state <br> XXXX Allowable on Purchase and Non-Homestead Refinances <br> XXXX PPP is permissible up to 5 years on Business Purpose loans only <br> XXXX Permitted on fixed rate loans only <br> Loan <br> In all other states not reflected above and are a Primary or Second home, please escalate for additional review if the file contains evidence of a prepayment penalty - Due Diligence Vendor-03/23/2026 |  | Waived-Originator exception granted to allow PP in XXXX, Non-material waiver applied with comp factors. non-material due to FICO and DTI. - Due Diligence Vendor-03/23/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.23 Required is 50 Borrower has 27.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 Required is 680 Borrower has 718 | FICO - DTI |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 2154556 | XXXX C A | Closed | FCRE8701 | 2026-04-08 15:17 | 2026-04-10 10:58 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. - Seller-04/08/2026 <br>Open-The Business Entity Formation Document is Missing. Missing Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g.,Resolution documentation (due to layered entities) Certificate of Authorization, etc.). If not available, a Borrowing Certificate is required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-Received Business Entity Documentation - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777<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 | XXXX |
| XXXX | 2154555 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XXXX |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 5. Clarifii Data Compare Report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2147739 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | 2138687 | XXXX | XXXX | Interest Only Flag | notePage | No | Yes | Per note |
| XXXX | 2138687 | XXXX | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | Per note |
| XXXX | 2138687 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit PITIA matches Lender's first payment letter. |
| XXXX | 2138687 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 22.73 | 0.00 | Per settlement statement |
| XXXX | 2138687 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.702 | 0.77 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| XXXX | 2138665 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.95 | 42.56 | Due to lender hitting borrower with full amex pmt |
| XXXX | 2138658 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | matches 1st payment ltr |
| XXXX | 2138658 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 17.03 | 20.26 | HOA DUES |
| XXXX | 2138658 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.38 | 38.62 | HOA Dues |
| XXXX | 2138700 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per hud |
| XXXX | 2138674 | XXXX | XXXX | Qualifying Amortization Term | notePage | 360 | 480 | per Note |
| XXXX | 2138674 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 75.1 | 70.00 | less than 12 months owned original purchase price used. |
| XXXX | 2138674 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 75.1 | 70.00 | less than 12 months owned original purchase price used. |
| XXXX | 2138674 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 2138674 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 2138674 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Fully amortized payment to be used for qualification. |
| XXXX | 2138674 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.03 | 7.00 | All assets provided were considered. |
| XXXX | 2138674 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.97 | 51.14 | Income verified less with documentation provided. |
| XXXX | 2138674 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.03 | 18.85 | Income verified less with documentation provided. |
| XXXX | 2138739 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 2138739 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per appraisal |
| XXXX | 2138733 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | confirmed |
| XXXX | 2138717 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 23650.13 | -25175.51 | Per Settlement Statement |
| XXXX | 2138717 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 2138717 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal and legal |
| XXXX | 2138717 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA Dues |
| XXXX | 2138723 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 2138723 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| XXXX | 2138724 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 2138749 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Refinance Statement |
| XXXX | 2138749 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 86.85 | 15.00 | Per assets |
| XXXX | 2138749 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA |
| XXXX | 2138697 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 2138697 | XXXX | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 2138697 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | HOA dues |
| XXXX | 2138719 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | per appraisal |
| XXXX | 2138701 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 2138690 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 2142194 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 2142194 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | per 1003 |
| XXXX | 2029620 | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | only 1 lien |
| XXXX | 2142193 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 2142193 | XXXX | XXXX | Borrower 1 Name of Employer 3 | the1003Page | XXXX | XXXX | per 1003 multiple business |
| XXXX | 2142193 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 2142193 | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | no other liens |
| XXXX | 2142193 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | per 1003 |
| XXXX | 2142192 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 25 | 300 | Per 1003 |
| XXXX | 2142192 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | 2142192 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 0.75 | 9 | Per 1003 |
| XXXX | 2147762 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| XXXX | 2154556 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 2154555 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 6. Clarifii Business Purpose Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXXX | 2138686 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 166.21 | 0.61 | 0.602 | 6316.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3800 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 12.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  | Tenant |
| XXXX | 2138687 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 142.47 | 0.77 | 0.702 | 2991.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 3.4 | 1 | 1 | N/A | 22.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 3 | Full Recourse | XXXX | Tenant |
| XXXX | 2138700 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 99.2 | 1 | 1.008 | 1289.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1300 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 14.67 | Yes | XXXX | Limited Partnership | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2138729 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  | N/A |  |  | 1650 | Appraisal - 1007 | No | 77.45 | 1.29 | 1.291 | 1277.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 162000 | 1650 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 8.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2138739 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1025 |  | N/A |  |  | 2900 | Appraisal - 1025 | No | 68.62 | 1.45 | 1.457 | 1989.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2900 |  |  |  |  |  |  |  | No | 2.7 | 1 | 1 | N/A | 109.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2138728 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 78.56 | 1.27 | 1.273 | 1492.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 0 |  | 1900 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 76.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2138733 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2325 | Appraisal - 1007 |  | N/A |  |  | 2325 | Appraisal - 1007 | No | 75.67 | 1.32 | 1.322 | 1759.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2325 |  |  |  |  |  |  |  | No | 15.6 | 1 | 1 | N/A | 82.76 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2138717 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 87.07 | 1.14 | 1.148 | 1654.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1900 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 14.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| XXXX | 2138723 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 80.11 | 1.24 | 1.248 | 1201.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 4.2 | 2 | 1 | N/A | 50.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2138724 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 80.11 | 1.24 | 1.248 | 1201.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 4.2 | 2 | 1 | N/A | 51.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2138749 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Appraisal - 1007 | No | 97.96 |  | 0 | 5877.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 6000 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 86.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  | Tenant |
| XXXX | 2138730 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 76.58 | 1.3 | 1.306 | 1148.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 4.9 | 1 | 1 | N/A | 101.48 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2141286 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 155.39 | 0.64 | 0.644 | 3573.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 9.6 | 1 | 1 | N/A | 68.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2138697 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1775 | Appraisal - 1007 |  | N/A |  |  | 1775 | Appraisal - 1007 | No | 108.13 | 0.92 | 0.925 | 1919.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1775 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Owner |
| XXXX | 2138716 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1675 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1675 | Actual In Place Rent | No | 88.26 | 1.13 | 1.133 | 1478.39 | 1675 | 10-16-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1675 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 110.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2138719 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1025 |  | N/A |  |  | 4000 | Appraisal - 1025 | No | 85.78 | 1.16 | 1.166 | 3431.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 4000 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 24.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2138701 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 99.87 | 1 | 1.001 | 2396.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2400 |  |  |  |  |  |  |  | No | 12.4 | 1 | 1 | N/A | 64.43 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2138713 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1025 |  | N/A |  |  | 3500 | Appraisal - 1025 | No | 89.64 | 1.11 | 1.116 | 3137.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 19.7 | 1 | 1 | N/A | 13.35 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2138732 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No | 76.21 | 1.31 | 1.312 | 1028.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1350 |  |  |  |  |  |  |  | No | 9.8 | 2 | 1 | N/A | 45.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2138722 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 83.2 | 1.2 | 1.202 | 1040.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1250 |  |  |  |  |  |  |  | No | 11.4 | 3 | 1 | N/A | 84.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2138690 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3350 | Appraisal - 1007 |  | N/A |  |  | 3350 | Appraisal - 1007 | No | 127.22 | 0.78 | 0.786 | 4261.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3350 |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 12 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2138704 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 99.99 | 1 | 1 | 2999.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 21.63 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| XXXX | 2138744 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2240 | Appraisal - 1025 |  | N/A |  |  | 2240 | Appraisal - 1025 | No | 45.42 | 2.2 | 2.202 | 1017.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2240 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 47.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2142193 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 4000 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4000 | Actual In Place Rent | No | 101.51 |  | 0 | 4263.26 | 4000 | 08-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 4000 |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 73.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2147762 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6500 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Actual In Place Rent | No | 72.27 | 1.384 | 1.384 | 4697.36 | 6500 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6500 |  |  |  |  |  |  |  | No | 6.1 | 1 | 1 | N/A | 20.62 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2142191 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 1840 | Appraisal - 1007 |  | N/A |  |  | 1840 | Appraisal - 1007 | No | 93.3 |  | 0 | 1716.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1840 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 89.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2154556 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1025 |  | N/A |  |  | 5400 | Appraisal - 1025 | No | 53.22 | 1.879 | 1.879 | 2873.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 5400 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 138.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| XXXX | 2154555 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 2000 | Appraisal - 1007 |  | N/A |  |  | 1800 | Actual In Place Rent | No | 79.03 | 1.265 | 1.265 | 1422.49 | 1800 | 01-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | 16 | 1 | 1 | N/A | 44.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

---

## Exhibit 99.04

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

**Exhibit 99.04**

**Schedule 7. Clarifii ATR or QM Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 2147739 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28865 | 8.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 94880.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138686 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138687 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138665 | XXXX | 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 | 7144 | 8.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8319.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138658 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5494 | 7.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30313.61 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138700 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138656 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 9875 | 7.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4149.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138729 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138674 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Yes | Yes | No | No | No | Yes | No | No | No | No | Yes | 10756.45 | 9.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10587.74 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2138739 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138677 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5044 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3872.58 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138728 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138733 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138717 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138654 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16479.5 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11124.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138655 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8144 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16961.22 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138723 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138724 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138749 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36614.54 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 2138730 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2141286 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138697 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2138716 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2141285 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18124 | 7.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32157.02 | Yes | Employed |  | No |  | No |  |
| XXXX | 2138719 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138701 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2138713 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138732 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138722 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138690 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138704 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2138744 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2142194 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.72 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 66668.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 2029620 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 234119.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 2142193 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11356.12 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2142192 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 71569.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 2147762 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2142191 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 8781.81 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2154556 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2154555 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Clayton Services LLC ("Clayton") Narrative**

![](ex9905001.jpg)

![](ex9905002.jpg)

**May 29, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex9905003.jpg)

**Table of Contents**

---

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

---

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 1 May 29, 2026

![](ex9905003.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9905004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex9905004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**OVERVIEW**

On behalf of the originators, Clayton conducted an independent third-party pre-securitization due diligence review of 60 residential loans. Ellington Management Group, LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2026-NQM6 transaction.

The loan referenced in this narrative report was reviewed on a flow loan basis between November 2025 and January 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;54 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;Correspondent Flow with delegated underwriting | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**60** | &nbsp;&nbsp;**100.00%** |

---

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 2 May 29, 2026

![](ex9905003.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Review scope  | &nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed  |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;60 |

---

Loan Grading

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

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

![](ex9905005.jpg)

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 3 May 29, 2026

![](ex9905003.jpg)

TPR Component Review Scope

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

Clayton's Credit scope of review conducted on 60 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (60 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, 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 (60 loans)

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

● CU Score

● Desk Review

For further detail please refer to the EFMT 2026-NQM6 Valuations Summary Report

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 4 May 29, 2026

![](ex9905003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 41 loans 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; and

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

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

- Affiliated Business Disclosure if applicable.

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

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

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 5 May 29, 2026

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

● 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

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 6 May 29, 2026

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 60 loans reviewed, by completing the following steps:

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results** 

Clayton provided Ellington Management Group, LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 60 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.33% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.33% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.33% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;8 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.33% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;8 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.33% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;4 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;14 | &nbsp;&nbsp;76.67% |

---

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 7 May 29, 2026

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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.

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 28 | 1 | 3 | 7 | **39** |
| **Final** | **B** |  | 7 | 8 | 6 | **21** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **28** | **8** | **11** | **13** | **60** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 36 | 1 | 2 | 6 | **45** |
| **Final** | **B** |  | 11 |  | 4 | **15** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **36** | **12** | **2** | **10** | **60** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 55 |  | 1 | 4 | **60** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **55** | **0** | **1** | **4** | **60** |

---

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 8 May 29, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 27 |  | 4 | 2 | **33** |
| **Final** | **B** |  |  | 8 |  | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **27** | **0** | **12** | **2** | **41** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (19 loan in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 9 May 29, 2026

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**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:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

○ 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:

○ 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

○ 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

○ 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

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 10 May 29, 2026

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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;■ 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

○ Asset review included:

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

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

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

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

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

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

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

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

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

○ 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

○ 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

○ 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

○ 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

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 11 May 29, 2026

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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;■ 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

○ 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:

○ Borrower identity

- Social Security inconsistencies

- Borrower name variations

○ Occupancy

- Borrower address history

- Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

○ OFAC

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 12 May 29, 2026

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**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:

○ 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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

○ USPAP

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

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 13 May 29, 2026

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

○ 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.

○ 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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ 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.

○ 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.

EFMT 2026-NQM6 Due Diligence Narrative Report Page \| 14 May 29, 2026

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F. Disclaimer

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

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

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

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

○ 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.

○ 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

○ 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:

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

○ 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)

○ 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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

○ 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)

○ 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)

○ TILA/RESPA Integrated Disclosures ("TRID")

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&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

● 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.

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● 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.

● 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.

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**<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 |
| &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).

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**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:

---

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

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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 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

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## Exhibit 99.05

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

**Exhibit 99.05**

**Schedule 1. Clayton Conditions Summary Report**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **EFMT 2026-NQM6** |
| **Start - End Dates:** | **11/11/2025 - 01/29/2026** |
| **Deal Loan Count:** | **60** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *60* |
| ***Loans with Conditions:*** | *32* |
| **17 - Total Active Conditions** | **17 - Total Active Conditions** |
| **17 - Non-Material Conditions** | **17 - Non-Material Conditions** |
|  | 17 - Credit Review Scope |
|  | 5 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Assets |
|  | 5 - Category: Credit/Mtg History |
|  | 2 - Category: LTV/CLTV |
|  | 3 - Category: Terms/Guidelines |
| **42 - Total Satisfied Conditions** | **42 - Total Satisfied Conditions** |
|  | 14 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 3 - Category: Income/Employment |
|  | 5 - Category: Legal Documents |
|  | 3 - Category: Title |
|  | 5 - Property Valuations Review Scope |
|  | 5 - Category: Property |
|  | 23 - Compliance Review Scope |
|  | 6 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Compliance Manual |
|  | 1 - Category: Right of Rescission |
|  | 15 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Schedule 2. Clayton Conditions Detail Report**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *60* |
| ***Loans with Conditions:*** | *32* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2138746 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 6 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has a 22 year credit history with 12 open and active tradelines 0X30<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Qualifying PITI is $4363.46, which is >10% less of $4766.91 |
| 2138653 | XXXXXX | VA | 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 |  | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD XXXX. | 12.25.25-Client provided screen shot of doc package sent. Provide the rest of e-sign process summary reflecting CD issued XXXX either Reviewed or Signed. (see email sent.) 1.6.26-Client provided e-sign process Summary for CD issued XXXX reflecting log-in on XXXX providing access to documents sent (received). Satisfied. | 1.6.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.64 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.83% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score728> 68 points of minimum guideline requirements of 660. |
| 2138653 | XXXXXX | VA | 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 |  | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD XXXX. | 12.25.25-Client provided screen shot of doc package sent. Provide the rest of e-sign process summary reflecting CD issued XXXX either Reviewed or Signed. (see email sent.) 1.6.26-Client provided e-sign process Summary for CD issued XXXX reflecting log-in on XXXX providing access to documents sent (received).Satisfied | 1.6.26-Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.64 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.83% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score728> 68 points of minimum guideline requirements of 660. |
| 2138653 | XXXXXX | VA | 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 |  | 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 $200.00. Appraisal reinspection fee of $200 added to CD XXXX and final CD XXXX. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 12.25.25-Client provided COC, Satisfied. | 12.25.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.64 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.83% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score728> 68 points of minimum guideline requirements of 660. |
| 2138653 | XXXXXX | VA | 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 |  | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% is greater than 75% for rural property. Upon further review by Sr. Clayton UW, Clayton deems this non-material due to the following compensating factorsBorrower has been on job for 20 years and 5 months, B1 FICO score is 728 and B2 FICO is 714 and 0 x 30 in the last 24 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.64 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.83% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score728> 68 points of minimum guideline requirements of 660. |
| 2138745 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 694 exceeds guideline minimum of 680 for a DSCR cash out refinance at 75% LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $118,745.47, or 89.32 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 8 years. |
| 2138734 | XXXXXX | MI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B |  | Loan fails Homex Minimum Equity requirement | No | Appraised value $XXX - Loan amount $XXX = $XXX equity. Guidelines require $XXX. , Clayton deems this non-material due to the following compensating factorsExperienced investor, LTV 75%, FICO 710, 43 tradelines, 19 years of monthly payments, 5 years on the job, 9 years at present address, No derogs in past 24 months and Permanent financing after rehab. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 9 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 88+ Months reserves exceeds guidelines. |
| 2123117 | XXXXXX | OH | 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 |  | 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 | Provide COC for rate lock ext fee addition of $292.50 on 11/11/25 OR Provide PCCD, LOX, Copy of tolerance check and proof of delivery within 60 days of consummation. | 12.9.25-Client provided COC. Satisfied. | 12.9.25-Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.41% is above the minimum program requirements of 55%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has significant time at current profession , 18 years and 1 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 20 and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 639 > 390 points of minimum guideline requirements of 600. |
| 2125284 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B |  | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 6 months housing history for B1. Clayton deems this non-material. Compensating factors are 30 years at current residence, 6 months reserves, and 58.05% LTV | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The co-borrower has owned the subject property for 30 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current employer for 10.4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves, LTV 75% - None Required. Post close reserves $22,326.47 or 6.79 months PITIA |
| 2138666 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B |  | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to Lender Credit removed from LE XXX. Provide a valid Change of Circumstance, OR Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 2.3.26-Client provided COC, Satisfied. | 2.3.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $19,998.57, or 7.93 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 6/20/2019.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc cash out refinance with a 715 credit score. |
| 2138666 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | DTI | Satisfied D A |  | Missing verification of some or all components of non-subject PITI | No | XXX XXX XXX XXX XXXXXX XXX XXX XXX XXX. | 2.04.2026-Client's response:XXX, XXX pmplease find XXX and LOX for XXX.2.04.2026-Clayton's response: Received the LOX which is acceptable, the documents for XXX show a PITI payment of $5,412.50 which puts the DTI at 96%. Exception remains.2.10.2026-Client's response: please find the prop profile release2.10.2026-Clayton's response: Received the evidence of release for XXX, exception satisfied. | 2.04.2025-Exception remains.2.10.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $19,998.57, or 7.93 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 6/20/2019.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc cash out refinance with a 715 credit score. |
| 2138667 | XXXXXX | CA | 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 |  | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of XXX is before end of statutory rescission period. | 2.3.26-Client provided PCCD, Satisfied. | 2.3.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.99%,max allowed by G/L is 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 23.8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves, LTV 75% - None Required. Post cls reserves $39,694.74 or 7.52 months PITI<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 21 years |
| 2138667 | XXXXXX | CA | 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 |  | 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 $2362.50. Lock extension fee added on CD XXXX. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.26.26-Client provided COC for Rate Loc Ext. Satisfied. | 1.26.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.99%,max allowed by G/L is 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 23.8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves, LTV 75% - None Required. Post cls reserves $39,694.74 or 7.52 months PITI<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 21 years |
| 2138668 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A |  | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for final LE 10/21/25. | 11.17.25-Client provided proof of e-receipt of LE issued 10/21/25. Satisfied. | 11.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $9031.46 reserves in file or 2.04 months PITI > required guidelines - LTV<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.65% LTV < guideline max 80% |
| 2138668 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B |  | 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 $708.50. Lender credits were $1400 on CD XXXX sequence 1. Lender credits were reduced to $703.75 on final CD XXXX. No documentation provided disclosing reduction in credits. Please provide documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 11.17.25-Client provided COC for decrease of lender credit on 10/27/25 from $712.50 to $703.75. Provide COC for lender credit decrease on 10/23/25 from $1400.00 to 708.25 & lender credit decrease on CD XXXX version1 from $1412.25 to $712.50 on CD XXXX version 2. 11.18.25-Client provided COCs. Satisfied. | 11.18.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $9031.46 reserves in file or 2.04 months PITI > required guidelines - LTV<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.65% LTV < guideline max 80% |
| 2141289 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68 MONTHS CREDIT HISTORY EXCEEDS GUIDELINES.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50+ MONTHS RESERVES EXCEEDS GUIDELINES.<br>CFCFS2860: Good credit history<br> - Clayton Comments: GUARANTOR DEMONSTRATES GOOD CREDIT HISTORY. |
| 2138669 | XXXXXX | ID | 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 |  | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for CD XXXX. | 1.8.26-Client provided CD issued XXXX, e-signed 1/8/26. The initial CD must reflect as received at least 3 business days prior to closing date XXX2.5.26-CORRECTION-Client also provided e-sign process summary reflecting review of CD issuedXXXX. Satisfied. | 2.5.26-. Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years and 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.95% is above the minimum program requirements of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.73 months of reserves exceeds guideline requirements of 0 months. |
| 2138669 | XXXXXX | ID | 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 |  | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $2,096.25 due to Rate Lock Extension fee added on LE 11/4/25. Partial cure proviced iao $665. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 2.5.26-Client provided COC for XXXX changes forXXXX disclosures on CD 1/7/26. Provide the COC for the initial addition of the Ext. fee on LE 11/4/25 AND its increase on LE 11/24/25. 2.9.26-Client provided COCs, Satisfied. | 2.9.26-Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years and 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.95% is above the minimum program requirements of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.73 months of reserves exceeds guideline requirements of 0 months. |
| 2138689 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 226 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35+ months reserves exceeds guidelines. |
| 2138671 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A |  | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to Benchmark Date XXX, loan has a test APR 7.886%, the Benchmark Rate was 6.240%; Variance 1.646%; max allowed is 1.5000%. | 11.18.25 Client response; We accept the determination on this and please clear the exception.11.18.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 11.18.25 Clayton memo; exception satisfied; | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves LTV 75% - None Required. Post cls reserves $98,784.39 or 21.27 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.31%, max allowed by G/L is 55% |
| 2138671 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A |  | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Income verification does not meet guidelines.Missing Bank statements from XXX #XXX for the months of XXX, XXX, XXX, XXX, XXX, & XXX | 11.14.2025 Borrower was using XXX for all her income and then opened a business account XXX, this is the reason for not having the requested statements. This information is noted on the income worksheet. Please clear finding. 11.17.2025 After further review, file contains XXX statements with account XXX and XXX statements from account XXX. Client used both statements as XXX was changed to a business account XXX. Exception satisfied | 11.17.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves LTV 75% - None Required. Post cls reserves $98,784.39 or 21.27 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.31%, max allowed by G/L is 55% |
| 2138671 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A | Credit | Ability to Repay/Qualified Mortgage | Active B |  | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable PAOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves LTV 75% - None Required. Post cls reserves $98,784.39 or 21.27 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.31%, max allowed by G/L is 55% |
| 2138671 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A | Credit | Income/Employment | Satisfied D A |  | Income verification does not meet guidelines | No | Missing Bank statements from XXX #XXX for the months of XXX, XXX, XXX, XXX, XXX, & XXX | 11.17.2025 Client responded - Borrower was using XXX for all her income and then opened a business account XXX, this is the reason for not having the requested statements. This information is noted on the income worksheet. Please clear finding. 11.17.2025 After further review, file contains XXX statements with account XXX and XXX statements from account XXX. Client used both statements as XXX was changed to a business account XXX. Exception satisfied | 11.17.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves LTV 75% - None Required. Post cls reserves $98,784.39 or 21.27 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.31%, max allowed by G/L is 55% |
| 2138718 | XXXXXX | CO | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B |  | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks for the rental payments made to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2610.66 X 3 = $7831.98. Post close reserves $40,866.30 or 15.65 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 766, minimum required by G/L is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has a 15 year credit history with 4 open and active tradelines 0X30 |
| 2138742 | XXXXXX | DE | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B A |  | Collections, Liens, etc. not paid as required by guidelines | No | Missing proof XXX $XXX Judgment has been satisfied. | 1.30.2026-Client's response: January 29th 2026, 5:41:31 pmitem was deleted from title, please find supplement.1.30.2026-Clayton's response: Received a supplemental title report; the judgement has been deleted, exception is satisfied. | 1.30.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.13% is below 80.00% the maximum allowable per lender guidelines<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 99 months of positive mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 802 exceeds 620 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $118,591.24 exceeds $0.00 the minimum required per lender guidelines |
| 2138715 | XXXXXX | IN | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B |  | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $231.15 in cash reserves. Post close reserves are $3,073.11, or 2.79 months. 3 months required. Clayton deems non-material/non-fatal to lending decision due to small amount and compensating factors: Credit score of 702/620 minimum, LTV of 70%/80% maximum and good credit history with no lates since 1992. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 80% for a DSCR Rate/Term refinance with a 702 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 exceeds guideline minimum of 620 for a DSCR Rate/Term refinance at 70% LTV.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from 6/1/1992. |
| 2138672 | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A |  | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is Non QM due to fees exceeding 3% threshold. | 12.17.25 Client response; We accept the determination on this and please clear the exception.12.17.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 12.17.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 118.67 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 11.54% is above the minimum program requirements of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.040 LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 728 > 128 points of minimum guideline requirements of 600. |
| 2138672 | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B |  | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to NonQM status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 118.67 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 11.54% is above the minimum program requirements of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.040 LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 728 > 128 points of minimum guideline requirements of 600. |
| 2138720 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 2138673 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A |  | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for initial CD issued XXXX at least 3 business days prior to consummation. Provide proof of receipt for Final LE issued 12/05/25 | 1.12.26-Client provided LE issued XXXX, e-signed 12/5/25. CD issued XXXX. Satisfied. | 1.12.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.95 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.22% is above the minimum program requirements of 55%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 659 > 59 points above guideline program minimum of 600.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has significant time at current job, 13 years and 11 months. |
| 2138673 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A |  | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for initial CD issued XXXX at least 3 business days prior to consummation. Provide proof of receipt for Final LE issued 12/05/25 | 1.12.26-Client provided LE issued XXX, e-signed XXX. CD issued XXX, e-signed XXX. Satisfied. | 1.12.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.95 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.22% is above the minimum program requirements of 55%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 659 > 59 points above guideline program minimum of 600.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has significant time at current job, 13 years and 11 months. |
| 2138673 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Income/Employment | Satisfied C A |  | Verbal verification of employment missing | No | Provide Verbal Verification of Employment for B1 within 10 days of closing. | 1.12.2026 Client responded - vvoe for review. 1.12.2026 Client provided Verification of employment within 10 days of closing. Exception satisfied | 1.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.95 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.22% is above the minimum program requirements of 55%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 659 > 59 points above guideline program minimum of 600.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has significant time at current job, 13 years and 11 months. |
| 2138741 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B |  | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of mortgage/housing history on both primary residence and subject property. Provide 12 months of canceled checks. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves: $24140.76 or 27.72 months of PITIA. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of736 is above the required 620 |
| 2138741 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B |  | Loan amount is below guideline minimum | No | Loan amount $XXX is below the guideline minimum of $XXX. Exception is on file. Clayton deems this non-material. Compensating factors: FICO 736, 27 months in reserves, DSCR 1.5790. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves: $24140.76 or 27.72 months of PITIA. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of736 is above the required 620 |
| 2138741 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B |  | Loan fails Homex Minimum Equity requirement | No | Guidelines require minimum equity $40,000. Loan provides only $32,750 in equity. Clayton deems this non-material. Compensating factors: FICO 736, 27 months in reserves, DSCR 1.5790. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves: $24140.76 or 27.72 months of PITIA. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of736 is above the required 620 |
| 2138737 | XXXXXX | WV | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 94 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35+ months reserves exceeds guidelines. |
| 2138748 | XXXXXX | UT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B |  | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 76.50% exceeds guideline maximum of 75%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $129.101.24, or 21.55 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 3/11/2014. |
| 2138657 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.19% is above the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 801 > 141 points above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.02% LTV for Subject Property is below guideline max LTV of 85% |
| 2138705 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 14 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 credit score exceeds guideline minimum of 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor has good Credit history for the last 12 months |
| 2138740 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A |  | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.4.26 uploaded FSS please clear.2.5.26 exception satisfied | 2.5.26 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.46 is below the maximum allowable of 80<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves: $150761.59 or 121.06 months of PITIA. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of779 is above the required 620 |
| 2138736 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has one 30 day late in 8/2023.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $94,111.39, or 29.66 months. 3 months required. |
| 2138725 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 231 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 2123136 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2245.28 X 6 = $13,471.68. Post close reserves $1,166,521.05 or 519.54 months PITI<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has a 20 year credit history with 27 open and active tradelines, 17% utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 53 months reviewed mortgage history 0X30 |
| 2123137 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A |  | Property Issues Indicated | No | Missing updated valuation to support original appraised value. | 12.19.25 CU provided | 12.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $818,399.54 exceeds $23,815.14 the minimum required per lender guidelines<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 2138735 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36 Months Reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 357+ Months reporting |
| 2138710 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $65,368.15, or 28.44 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 7/2021.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 exceeds guideline minimum of 720 for a DSCR Rate/Term refinance at 80% LTV. |
| 2138708 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 725 > 105 required guideline requirements of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 8 years and 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV for Subject Property is below guideline max LTV of 80% |
| 2138691 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65 is below guideline requirement max of 80.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 694 exceeds guideline requirement of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $179,736.11 or 35.65 months PITI reserve exceeds required reserves of ($5,042.22 x 6 = $30,253.32). |
| 2138675 | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 93+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 63 Months Reserves |
| 2138727 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied D A |  | Missing Title | No | Missing Title for subject Property. | 1.28.26 Prelim for subject property provided. Please clear finding.1.28.26 exception satisfied | 1.28.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 704 > 84 required guideline requirements of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 62.37 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.40% LTV for Subject Property is below guideline max LTV of785% |
| 2138678 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years' time in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 5 years, 7 months' time at the subject property as their primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.00% is below 75.00% the maximum allowed per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 651 exceeds 640 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $289,124.80 exceeds $0.00 the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.17% is below 55.00% the maximum allowable per lender guidelines |
| 2138714 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A |  | Missing HOA Certificate/Questionnaire | No | Provide the HOA Certification & Questionnaire. | 1.21.26 Condo questionnaire provided, please clear finding.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 credit score exceeds 700 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $140,089.77 exceeds $4,994.04 the minimum required per lender guidelines |
| 2138662 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B |  | 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 $3850.00. Lender credits on LE XXXX of $3850.00 were removed on final CD XXXX. No documentation provided disclosing removal of credit. Please provide documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 2.3.26-Client provided COC, Satisfied. | 2.3.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $5892.91 X 6 = $35,357.46. Post close reserves $178,525.22 or 30.29 months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 742, minimum required by G/L is 680 |
| 2138663 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.89%,max allowed by G/L is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 773, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3873.22 X 6 = $23,239.32. Post close reserves $119,596.26 or 30.87 months PITIA |
| 2138681 | XXXXXX | CA | 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> - Clayton Comments: Credit score of 657 exceeds 620 the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $345,740.57 exceeds $0.00 the minimum amount required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.00% is below 75.00% the maximum allowed per lender guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower is in the same profession for 10 years |
| 2138695 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.88 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 812 > 192 required guideline requirements of 620 |
| 2138693 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A |  | Title incomplete | No | Provide Title Commitment. | 1.26.26 Preliminary report provided, please clear finding.1.27.26 exception satisfied | 1.27.26 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 91+ months reserves exceeds guidelines. |
| 2138693 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A |  | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire. | 1.26.26 HOA Cert provided, please clear finding. | 1.27.26 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 91+ months reserves exceeds guidelines. |
| 2138702 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B |  | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks for the mortgage payments to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.16 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 798 > 178 required guideline requirements of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.95% LTV for Subject Property is below guideline max LTV of 80% |
| 2138702 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A |  | Final HUD-1 is incomplete or illegible | No | Settlement & Disbursement Dates not listed | 2.8.2026-Client's response: February 6th 2026, 3:46:50 pmFSS2.8.2026-Clayton's response: Received the HUD1, exception is satisfied. | 2.8.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.16 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 798 > 178 required guideline requirements of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.95% LTV for Subject Property is below guideline max LTV of 80% |
| 2138702 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A |  | Missing Legal Document(s) | No | Missing Lease for Subject Property for $XXX/month. | 2.8.2026-Client's response: February 6th 2026, 3:45:31 pmplease find the lease2.8.2026-Clayton's response: Received the Lease, exception satisfied. | 2.8.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.16 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 798 > 178 required guideline requirements of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.95% LTV for Subject Property is below guideline max LTV of 80% |
| 2138707 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 228 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 91+ months credit history exceeds guidelines. |
| 2138688 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A |  | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.9.26 FSS rcvd2.9.26 exception satisfied | 2.9.26 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 163 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20+ months reserves exceed guidelines. |
| 2138721 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 105 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 242+ Months reporting |
| 2138696 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active C B |  | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post close reserves are $15,278.42, or 2.62 months. 6 months required. Clayton deems this non-material. Compensating factors FICO 777, 8 years at current residence, LTV 66.30%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 7/2017.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00 |
| 2138696 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A |  | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.8.2026-Client's response: February 6th 2026, 3:59:57 pmFSS2.8.2026-Clayton's response: Received the Final HUD1, exception is satisfied. | 2.8.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 7/2017.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00 |
| 2138682 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A |  | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to Benchmark Date 12/17/2025, loan has a test APR 8.014%, the Benchmark Rate was 6.270%; Variance 1.744%; max allowed is 1.5000%. | 2.2.26 Client response; We accept the determination on this and please clear the exception.2.3.26 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.3.26 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 15+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines. |
| 2138682 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B |  | 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 $49.80. Transfer taxes increased on final CD XXXXXXXX. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 2.3.26-Client provided COC, Satisfied. | 2.3.26-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 15+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines. |
| 2138682 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Credit | Ability to Repay/Qualified Mortgage | Active B |  | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 15+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines. |
| 2138682 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Property Valuations | Property | Satisfied D A |  | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire. | 2.2.26 condo cert for review. 2.3.26 exception satisfied | 2.3.26 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 15+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines. |
| 2141287 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 215+ Months reporting positive<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36 Months Reserves |
| 2138683 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | A D B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A |  | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM: Safe Harbor (APOR), Clayton status is QM Rebuttable Presumption APOR due to Benchmark Date 12/23/25, loan has a test APR 7.942, the Benchmark Rate was 6.25%; Variance 1.692; max allowed is 1.5000 | 2.5.26 Client response; We accept the determination on this and please clear the exception.2.5.26 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.5.26 Clayton memo; exception satisfied; | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 706, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3580.46 X 6 = $21,482.76. Post close reserves $232,172.46 or 64.84 months PITI |
| 2138683 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | A D B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A |  | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide confirmation of receipt for CD XXXX. | 2.6.26-Client provided 1/16/26, e-signed 1/16/26. Satisfied. | 2.6.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 706, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3580.46 X 6 = $21,482.76. Post close reserves $232,172.46 or 64.84 months PITI |
| 2138683 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | A D B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B |  | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed QM rebuttable status based upon Claytons review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 706, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3580.46 X 6 = $21,482.76. Post close reserves $232,172.46 or 64.84 months PITI |
| 2138683 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | A D B | C | A | Credit | Assets | Satisfied D A |  | Asset documentation is insufficient per guideline requirements | No | Evidence of gift funds being received. | 2.5.26 gift funds deposit2.5.26 exception satisfied. | 2.5.26 exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 706, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3580.46 X 6 = $21,482.76. Post close reserves $232,172.46 or 64.84 months PITI |
| 2141288 | XXXXXX | TN | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B |  | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks for the mortgage payments made to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 38 months positive mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $92,032.03 exceeds $7,850.13 the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 exceeds 720 the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 2138698 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 20 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 790 > 170 required guideline requirements of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 80% |
| 2138738 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A |  | Missing Title | No | Provide Title report. | 2.2.26 prelim for review.2.2.26 exception satisfied | 2.2.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $110,508.65 or 34.03 months PITI reserve exceeds required reserves of ($3,247.47 x 3 = $9,742.41).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 715 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is below guideline requirement of 80. |
| 2138706 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.99 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 3 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 708 > 88 required guideline requirements of 620 |
| 2138692 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 43 months reviewed for primary residence mtg, exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $659107.94, 215.99 months reserves, 3 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 yrs residing in current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 778 exceeds the minimum of 680 |
| 2141292 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A |  | Income Amount is Unsupported by Documentation in File | No | Provide Personal Guaranty executed by all parties owning 25% or more of the LLC. | 1.26.26 Executed Personal Guaranty provided, please clear finding.1.26.26 exception satisfied | 1.26.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $108,453.40, or 53.27 months PITI, exceed guideline requirement.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for approximately 5 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0 x 30 past 82 months exceeds guideline requirement. |
| 2138664 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A |  | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to Benchmark Date 01/08/2026, loan has a test APR 7.935%, the Benchmark Rate was 6.18%; Variance 1.755%; max allowed is 1.5000%. | 1.29.26 Client response; We accept the determination on this and please clear the exception.1.29.26 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 1.29.26 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $4552.58 X 6 = $27,315.48. Post close reserves $40,205.16 or 8.83 months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 7 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.62%, max allowed by G/L is 50% |
| 2138664 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B |  | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $4552.58 X 6 = $27,315.48. Post close reserves $40,205.16 or 8.83 months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 7 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.62%, max allowed by G/L is 50% |
| 2138694 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $247,744.38 or 86.74 months PITI reserve exceeds required reserves of ($2,856.20 x 6 = $17,137.20).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is below guideline requirement max of 80.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 696 exceeds guideline requirement of 640. |
| 2138699 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 57.38 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 125+ Months reporting positive<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid-score per CBR.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 2138712 | XXXXXX | AL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A |  | Missing Legal Documentation | No | Missing litigation documentation. | 2.5.26 please find email there is no litigation.2.9.26 exception satisfied | 2.9.26 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 12 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4+ months reserves exceeds guidelines. |
| 2138712 | XXXXXX | AL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Property Valuations | Property | Satisfied D A |  | Missing HOA Certificate/Questionnaire | No | Condo questionnaire to be completed in full regarding pending litigation. | 2.5.26 please find email there is no litigation.2.9.26 exception satisfied | 2.9.26 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 12 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4+ months reserves exceeds guidelines. |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Schedule 3. Clayton Loan Grades Report**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *60* |
| ***Loans with Conditions:*** | *32* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2138746 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 2138653 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 2138745 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2138734 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 2123117 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 2125284 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 2138666 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 2138667 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 2138668 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 2141289 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2138669 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 2138689 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2138671 | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| 2138718 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 2138742 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 2138715 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 2138672 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 2138720 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 2138673 | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 2138741 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 2138737 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 2138748 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 2138657 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138705 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2138740 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 2138736 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2138725 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2123136 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2123137 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 2138735 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2138710 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2138708 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138691 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138675 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138727 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 2138678 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138714 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 2138662 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 2138663 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138681 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2138695 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138693 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 2138702 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 2138707 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2138688 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 2138721 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138696 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 2138682 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 2141287 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138683 | XXXXXX | XXXXXX D B A | C | A D B | C | A | No |
| 2141288 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 2138698 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 2138738 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 2138706 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 2138692 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2141292 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 2138664 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 2138694 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 2138699 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2138712 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Schedule 4. Clayton Standard Upload Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 245 | 249 | 253 | 257 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 2138746 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 3478.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | Subject to Completion(cert in file) | 172500.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 156.59 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 22 | 108970.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | (No Data) | (No Data) | 724 | XXXXXX | XXXXXX | 25.19 | 46.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.2 | 3.20 | Fully Amortized | 7.750 | 3478.90 | 25.19 | 46.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | (No Data) | (No Data) | Business Bank Statements - 12 months |
| 2138653 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1621.17 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | Subject to Completion(cert in file) | 30000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 158.51 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 92 | 7000.00 | 15 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 755 | 728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 759 | 714 | XXXXXX | (No Data) | (No Data) | 728 | XXXXXX | XXXXXX | 8.36 | 26.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.64 | 9.64 | Fully Amortized | 7.999 | 1621.18 | 8.36 | 26.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | B C A | C B A | B | Business Bank Statements - 12 months | CPA Letter - 1 months | (No Data) | (No Data) |
| 2138745 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 922.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | 4788.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 132.34 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 254 | 11500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 695 | 694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 694 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 89.32 | 89.32 | Fully Amortized | 7.500 | 922.97 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138734 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 665.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 1% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | 25000.00 | (No Data) | XXXXXX | 76.92 | 76.92 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.66 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 238 | 30100.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 705 | 710 | XXXXXX | (No Data) | (No Data) | 710 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 88.41 | 88.41 | Fully Amortized | 6.999 | 665.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2123117 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 889.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 31000.00 |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 82.39 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 314 | 2000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 639 | 623 | 656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 639 | XXXXXX | XXXXXX | 30.6 | 45.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.35 | 15.35 | Fully Amortized | 8.375 | 889.29 | 30.6 | 45.41 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 2125284 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 2466.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow with delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 85000.00 |  | XXXXXX | 58.05 | 58.05 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 224.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 9 | 3500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 632 | 635 | 561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 573 | 613 | XXXXXX | (No Data) | (No Data) | 632 | XXXXXX | XXXXXX | 40.88 | 46.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.79 | 6.79 | Fully Amortized | 8.875 | 2466.50 | 40.88 | 46.22 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) |
| 2138666 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2044.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 160000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 209.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 9 | 13000.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 715 | 719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 715 | XXXXXX | XXXXXX | 28.34 | 35.35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.93 | 7.93 | Fully Amortized | 7.375 | 2044.40 | 28.34 | 35.35 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) |
| 2138667 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 4086.17 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 550000.00 | (No Data) | XXXXXX | 45.99 | 45.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 301.78 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 41 | 10000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 659 | 666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 659 | XXXXXX | XXXXXX | 49.65 | 52.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.15 | 7.15 | Fully Amortized | 6.750 | 4086.17 | 49.65 | 52.72 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138668 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3840.65 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 225000.00 |  | XXXXXX | 40.65 | 40.65 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 203.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 120 | 51172.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 705 | 713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 626 | 643 | 620 | XXXXXX | (No Data) | (No Data) | 713 | XXXXXX | XXXXXX | 21.08 | 34.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.04 | 2.04 | Fully Amortized | 7.250 | 3840.66 | 21.08 | 34.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C B A | B C A | C B A | B | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 2141289 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1146.06 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 20234.00 |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.48 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 68 | 16000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 643 | 729 | XXXXXX | (No Data) | (No Data) | 726 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 50.96 | 50.96 | Fully Amortized | 7.250 | 1146.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138669 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 2223.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 150000.00 | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 254.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 210 | 1500.00 | 41 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 609 | 608 | 619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 609 | XXXXXX | XXXXXX | 36.16 | 39.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.73 | 35.73 | Fully Amortized | 8.875 | 2223.83 | 36.16 | 39.95 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) |
| 2138689 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2552.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | 70000.00 | (No Data) | XXXXXX | 73.45 | 73.45 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 139.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 226 | 29000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 749 | 752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 750 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.66 | 35.66 | Fully Amortized | 7.750 | 2552.22 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138671 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3801.18 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | 190000.00 |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 48.33 | (No Data) | (No Data) | 0.00 | 80.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 10 | 2000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 644 | 620 | 651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 644 | XXXXXX | XXXXXX | 23.41 | 31.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.28 | 21.28 | Fully Amortized | 7.875 | 3801.18 | 23.41 | 31.31 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) D | D B A | A D | D B A | A | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) |
| 2138718 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2151.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | 285000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 287.52 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 15 | 11000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 756 | 766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 766 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.65 | 15.65 | Fully Amortized | 7.625 | 2151.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138742 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 850.72 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | 40000.00 | (No Data) | XXXXXX | 59.13 | 59.13 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 52.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 117 | 31111.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 790 | 807 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 802 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 116.13 | 116.13 | Fully Amortized | 6.875 | 850.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138715 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 895.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | 36000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 399 | 25000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 732 | 702 | XXXXXX | (No Data) | (No Data) | 702 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.79 | 2.79 | Fully Amortized | 7.500 | 895.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2138672 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1398.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | 75000.00 | (No Data) | XXXXXX | 37.04 | 37.04 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 95.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 146 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 705 | 728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 728 | XXXXXX | XXXXXX | 7.08 | 11.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 118.67 | 118.67 | Fully Amortized | 7.500 | 1398.43 | 7.08 | 11.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138720 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1734.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | 34970.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 292.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 208 | 8000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 801 | 776 | XXXXXX | (No Data) | (No Data) | 786 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.98 | 30.98 | Fully Amortized | 6.999 | 1734.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138673 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 4435.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | 165000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 176.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 182 | 12000.00 | 18 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 639 | 655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 648 | 659 | XXXXXX | (No Data) | (No Data) | 659 | XXXXXX | XXXXXX | 24.48 | 43.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.95 | 8.95 | Fully Amortized | 8.999 | 4435.09 | 24.48 | 43.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 144 months;<br> IRS Transcripts – Tax Return(s) - 12 months | (No Data) | (No Data) |
| 2138741 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 670.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | 7000.00 | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 141.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 44 | 10000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 741 | 731 | XXXXXX | (No Data) | (No Data) | 736 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.72 | 27.72 | Fully Amortized | 7.250 | 670.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2138737 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1207.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | 15000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 199.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 94 | 5500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 783 | 766 | XXXXXX | (No Data) | (No Data) | 779 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 71.99 | 71.99 | Fully Amortized | 6.999 | 1207.41 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138748 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 5549.99 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | 275000.00 | (No Data) | XXXXXX | 76.50 | 76.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 200 | 61005.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 699 | 702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 699 | XXXXXX | XXXXXX | 11.45 | 31.87 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.55 | 21.55 | Fully Amortized | 7.625 | 5549.99 | 11.45 | 31.87 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138657 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2364.94 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 250000.00 | (No Data) | XXXXXX | 59.02 | 59.02 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 196.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 121 | 2500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 801 | 780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 801 | XXXXXX | XXXXXX | 21.91 | 22.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.72 | 17.72 | Fully Amortized | 6.875 | 2364.95 | 21.91 | 22.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) |
| 2138705 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2706.67 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 75000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 161.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 252 | 24000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 800 | 783 | XXXXXX | (No Data) | (No Data) | 795 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.12 | 10.63 | Fully Amortized | 7.250 | 2865.74 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 2138740 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1051.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | 35000.00 | Not Applicable | XXXXXX | 52.46 | 52.46 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 84.64 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 388 | 29000.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 671 | 672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 784 | 775 | XXXXXX | (No Data) | (No Data) | 779 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 121 | 121.00 | Fully Amortized | 6.875 | 1051.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138736 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2601.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow with delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | 150000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 174.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 117 | 30000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 722 | 750 | XXXXXX | (No Data) | (No Data) | 750 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.66 | 29.66 | Fully Amortized | 7.500 | 2601.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2138725 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 1063.13 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | 35000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 56.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 231 | 20000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 604 | 629 | 706 | XXXXXX | (No Data) | (No Data) | 629 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.92 | 46.92 | Fully Amortized | 8.999 | 1063.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2123136 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 1910.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 100000.00 | (No Data) | XXXXXX | 68.39 | 68.39 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 62.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 20 | 52929.00 | 27 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 651 | 658 | 682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 658 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 398.23 | 398.23 | Fully Amortized | 8.750 | 1910.11 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2123137 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 3175.33 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5 mos interest on amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | 175000.00 | (No Data) | XXXXXX | 71.00 | 71.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 76.37 | (No Data) | (No Data) | (No Data) | 266.67 | Present | XXXXXX | 1 | No | Present | XXXXXX | 192 | 4500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 651 | 658 | 682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 658 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 207.64 | 207.64 | Fully Amortized | 8.625 | 3175.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138735 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1490.60 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | 32000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 91.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 357 | 67500.00 | 13 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 733 | 767 | XXXXXX | (No Data) | (No Data) | 767 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.15 | 72.15 | Fully Amortized | 7.125 | 1490.61 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138710 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 1978.01 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Bulk | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | 15000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 126.44 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 160 | 27000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 753 | 711 | XXXXXX | (No Data) | (No Data) | 734 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.44 | 28.44 | Fully Amortized | 8.125 | 1978.02 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138708 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1355.16 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 1% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 75000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 97.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 131 | 7000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 739 | 725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 725 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.66 | 5.50 | Fully Amortized | 7.375 | 1430.72 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138691 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 4110.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow with delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 235000.00 | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 269.23 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 156 | 25500.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 713 | 694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 694 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.65 | 35.65 | Fully Amortized | 7.999 | 4110.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 2138675 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 1457.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Bulk | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | 30000.00 | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 168.86 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 93 | 7500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 638 | 627 | 665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 638 | XXXXXX | XXXXXX | 13.7 | 35.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 63.39 | 63.39 | Fully Amortized | 8.375 | 1457.44 | 13.7 | 35.59 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138727 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2694.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | 475000.00 | (No Data) | XXXXXX | 40.40 | 40.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 213.00 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 494 | 30000.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 690 | 721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 62.37 | 62.37 | Fully Amortized | 7.125 | 2694.88 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138678 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 3660.71 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 230000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 231.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 300 | 31111.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 624 | 664 | 651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 579 | 543 | 580 | XXXXXX | (No Data) | (No Data) | 651 | XXXXXX | XXXXXX | 12.92 | 38.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 69.74 | 69.74 | Fully Amortized | 8.999 | 3660.71 | 12.92 | 38.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138714 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1090.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | (No Data) | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 219.25 | (No Data) | (No Data) | (No Data) | 160.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 103 | 4500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 679 | 731 | XXXXXX | (No Data) | (No Data) | 717 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 84.01 | 84.01 | Fully Amortized | 7.500 | 1090.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138662 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 4994.21 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 385000.00 | (No Data) | XXXXXX | 77.00 | 77.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 794.78 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 14388.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 654 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 742 | 715 | XXXXXX | (No Data) | (No Data) | 742 | XXXXXX | XXXXXX | 46.65 | 47.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.29 | 30.29 | Fully Amortized | 6.750 | 4994.21 | 46.65 | 47.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C B A | B C A | C B A | B | CPA Letter with Income - 60 months;<br> Personal Bank Statements - 12 months | CPA Letter - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) |
| 2138663 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3520.03 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | 175000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.84 | (No Data) | (No Data) | 0.00 | 42.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 10 | 25000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 748 | 773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 773 | XXXXXX | XXXXXX | 21.45 | 22.89 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.88 | 30.88 | Fully Amortized | 7.250 | 3520.03 | 21.45 | 22.89 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138681 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 1905.58 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | 150000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 742.31 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 117 | 31111.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 601 | 657 | 661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 657 | XXXXXX | XXXXXX | 34.44 | 49.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 123.78 | 123.78 | Fully Amortized | 8.625 | 1905.59 | 34.44 | 49.56 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2138695 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2470.31 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 335000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 199.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 214 | 1600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 812 | 791 | 819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 812 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.88 | 7.60 | Fully Amortized | 7.750 | 2588.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138693 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 3108.04 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | (No Data) | (No Data) | XXXXXX | 43.31 | 43.31 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 206.90 | (No Data) | (No Data) | (No Data) | 309.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 317 | 7450.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 741 | 772 | XXXXXX | (No Data) | (No Data) | 772 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 182.98 | 182.98 | Fully Amortized | 7.375 | 3108.04 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138702 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1302.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | 140500.00 | (No Data) | XXXXXX | 74.90 | 74.90 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 43.17 | (No Data) | (No Data) | 45.23 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 381 | 23000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 814 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 798 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.16 | 37.16 | Fully Amortized | 7.250 | 1302.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 2138707 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1232.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 18000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 95.33 | (No Data) | (No Data) | (No Data) | 290.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 228 | 35600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 734 | 783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 766 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 91.99 | 91.99 | Fully Amortized | 7.500 | 1232.37 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138688 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 1947.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 66000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 216.76 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 163 | 3500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 748 | 725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 745 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20.1 | 20.10 | Fully Amortized | 8.750 | 1947.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138721 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1149.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | 160000.00 | (No Data) | XXXXXX | 46.05 | 46.05 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 154.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 242 | 20500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 701 | 675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 701 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 105.82 | 105.82 | Fully Amortized | 6.875 | 1149.63 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138696 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 4400.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | 225000.00 | (No Data) | XXXXXX | 66.30 | 66.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 212.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 347 | 1400.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 774 | 750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 779 | 765 | XXXXXX | (No Data) | (No Data) | 777 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.71 | 2.71 | Fully Amortized | 6.500 | 4400.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138682 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2980.27 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | (No Data) | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 90.92 | (No Data) | (No Data) | (No Data) | 1022.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 15 | 27000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 630 | 635 | 649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 635 | XXXXXX | XXXXXX | 30.89 | 48.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.44 | 10.44 | Fully Amortized | 7.750 | 2980.28 | 30.89 | 48.24 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) D B | C B A | B D | C B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2141287 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2455.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | 100000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 55.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 215 | 30000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 790 | 761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 790 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 36.2 | 36.20 | Fully Amortized | 7.250 | 2455.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138683 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3045.29 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | 56000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 141.81 | (No Data) | (No Data) | 0.00 | 160.08 | Present | XXXXXX | 2 | No | Present | XXXXXX | 41 | 30000.00 | 42 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 659 | 720 | 706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 772 | 729 | XXXXXX | (No Data) | (No Data) | 706 | XXXXXX | XXXXXX | 26.58 | 47.28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 122.18 | 122.18 | Fully Amortized | 7.875 | 3045.30 | 26.58 | 47.28 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) D | C B A | A D | C B A | A | Business Bank Statements - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 1 months | (No Data) | (No Data) |
| 2141288 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2423.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | 100000.00 | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 138.37 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 103 | 4500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 790 | 761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 790 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.17 | 35.17 | Fully Amortized | 7.250 | 2423.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138698 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2087.16 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | 100000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 120.78 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 253 | 44500.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 791 | 742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 790 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.88 | 5.88 | Fully Amortized | 7.500 | 2087.16 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2138738 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3026.82 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 75000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 166.28 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 258 | 57660.00 | 15 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 714 | 732 | XXXXXX | (No Data) | (No Data) | 715 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.03 | 34.03 | Fully Amortized | 6.999 | 3026.83 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138706 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1293.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | 30000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 118.47 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 166 | 5000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 710 | 703 | XXXXXX | (No Data) | (No Data) | 708 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.99 | 14.99 | Fully Amortized | 7.999 | 1293.14 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138692 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2325.85 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | 100000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 313.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 228 | 44026.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 747 | 781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 778 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 215.99 | 215.99 | Fully Amortized | 7.375 | 2325.85 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2141292 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | 1169.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | 60000.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 450.17 | (No Data) | (No Data) | (No Data) | 35.83 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 139 | 34449.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 681 | 644 | XXXXXX | (No Data) | (No Data) | 744 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 52.35 | 52.35 | Fully Amortized | 6.375 | 1169.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2138664 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3882.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | 95000.00 | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 249.09 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 18 | 9300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 705 | 726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 705 | XXXXXX | XXXXXX | 25.5 | 32.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.83 | 8.83 | Fully Amortized | 7.875 | 3882.75 | 25.5 | 32.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) |
| 2138694 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1981.82 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | 38000.00 | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 501.00 | (No Data) | (No Data) | 0.00 | 16.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 142 | 237407.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 637 | 696 | XXXXXX | (No Data) | (No Data) | 696 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 86.74 | 86.74 | Fully Amortized | 7.625 | 1981.83 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138699 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 1225.12 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | 27100.00 | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 87.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 125 | 13600.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 726 | 715 | XXXXXX | (No Data) | (No Data) | 725 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 57.38 | 57.38 | Fully Amortized | 8.125 | 1225.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2138712 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3393.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | (No Data) | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 115.74 | (No Data) | (No Data) | 0.00 | 982.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 228 | 31000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 786 | 764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 786 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.89 | 4.89 | Fully Amortized | 7.875 | 3393.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Schedule 5. Clayton Valuation Summary Report**

**Valuations Summary** 

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *60* | *60* |  |  | **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** |
| 2138746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2138653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 2123117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 2125284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 2138668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 2141289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 2138669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 2138671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 2138715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 2138720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.7 |
| 2138737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 2138748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.80% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.10% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2138705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 2138736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2123136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2123137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 2138735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% | 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% | 3.5 |
| 2138708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 2138675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 2138727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 2138714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 2138663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 2138681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 2138693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 2138702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 2138682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2141287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 2141288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 2138706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2138692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2141292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 2138694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2138699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 2138712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Schedule 6. Clayton Rating Agency ATR QM Report**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *60* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 2138746 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 2138653 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7597.1 | XXXXXX | 8.4829 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2138745 | 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 |
| 2138734 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2123117 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5513.29 | XXXXXX | 8.9344 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2125284 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11370 | XXXXXX | 9.3252 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 4322.52 |
| 2138666 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9884 | XXXXXX | 7.7477 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138667 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22814 | XXXXXX | 7.1216 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 5026.69 |
| 2138668 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15819 | XXXXXX | 7.2897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13822.54 |
| 2141289 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138669 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12641.75 | XXXXXX | 9.4213 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138689 | 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 |
| 2138671 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 754.15 | XXXXXX | 7.8856 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138718 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138742 | 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 |
| 2138715 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138672 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5744 | XXXXXX | 7.909 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138720 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138673 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11039.68 | XXXXXX | 9.2425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2138741 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138737 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138748 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138657 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9844 | XXXXXX | 6.9663 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138705 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138740 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138736 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 2138725 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2123136 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2123137 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138735 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138710 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138708 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3751 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 2138691 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138675 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4552 | XXXXXX | 8.7627 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138727 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138678 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9223.45 | XXXXXX | 9.2957 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2138714 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138662 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 18131.5 | XXXXXX | 7.01 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 6609.98 |
| 2138663 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5839 | XXXXXX | 7.3763 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 13924.78 |
| 2138681 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8369 | XXXXXX | 9.0459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2138695 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138693 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138702 | 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 |
| 2138707 | 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 |
| 2138688 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2138721 | 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 |
| 2138696 | 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 |
| 2138682 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9584 | XXXXXX | 8.014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2141287 | 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 |
| 2138683 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10144 | XXXXXX | 7.9419 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7102.06 |
| 2141288 | 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 |
| 2138698 | 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 |
| 2138738 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138706 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138692 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2141292 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138664 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 13123.38 | XXXXXX | 7.9354 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 12028.63 |
| 2138694 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138699 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2138712 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

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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 99.05

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

**Exhibit 99.05**

**Schedule 7. Clayton Non ATR QM Report**

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|:---|:---|
| **ATR QM Upload** |  |
| *Loans in Report:* | *60* |

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| **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** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **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** |
| 2138746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (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 | 7.7501 | 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 | 46.82 | 0 | 46.82 | 46.82 | 46.82 | (No Data) | (No Data) | (No Data) | 25840.48 | 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) | 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 Data) | (No Data) | (No Data) | Business Bank Statements - 12 months | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138653 | 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 | 8.4829 | Yes | Yes | 3.617 | 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 | 26.83 | 26.83 | 26.83 | 26.83 | 26.83 | 26.83 | No | No | (No Data) | 16322.92 | 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) | 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) | 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 | CPA Letter - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138745 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -1329.45 | 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 | 3150.00 | No | (No Data) | 2.3694 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138734 | 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 | 6.9990 | 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) | -970.93 | 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) | 1.3389 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2123117 | 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 | Yes | 1 | 8.9344 | No | No | 4.968 | 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 | 45.41 | 45.41 | 45.41 | 45.41 | 45.41 | 45.41 | No | No | (No Data) | 2295.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2125284 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.3252 | No | No | 3.831 | 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 | 46.22 | 46.22 | 46.22 | 46.22 | 46.22 | 46.22 | No | Yes | Yes | 4322.52 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138666 | 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 | 7.7477 | Yes | Yes | 3.478 | 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 | 35.29 | 35.35 | 35.29 | 35.35 | 35.35 | 35.35 | No | No | (No Data) | 5751.69 | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138667 | 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 | Yes | 1 | 7.1216 | No | No | 3.774 | 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 | 52.72 | 52.72 | 52.72 | 52.72 | 52.72 | 52.72 | No | Yes | Yes | 5026.69 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2897 | Yes | Yes | 2.821 | 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 | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.44 | 34.34 | 34.44 | 34.34 | 34.34 | 34.34 | Yes | Yes | Yes | 13822.54 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2141289 | 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 | 7.2500 | 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) | -1547.54 | 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 | 1750.00 | No | (No Data) | 1.1308 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138669 | 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 | 9.4213 | Yes | Yes | 4.769 | 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 | 39.57 | 39.95 | 39.57 | 39.95 | 39.95 | 39.95 | No | No | (No Data) | 4307.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138689 | 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 | 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) | -3012.84 | 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 | 2300.00 | No | (No Data) | 0.7633 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8856 | Yes | Yes | 0.144 | 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 | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.31 | 31.31 | 31.31 | 31.31 | 31.31 | 31.31 | No | No | (No Data) | 13619.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138718 | 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% 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) | -2610.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 3050.00 | No | (No Data) | 1.1682 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138742 | 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 | 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) | -1021.22 | 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 | 1650.00 | No | (No Data) | 1.6157 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138715 | 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 | 7.5000 | 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) | -1101.42 | 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 | 1255.00 | No | (No Data) | 1.1394 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor (APOR) | 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 | 7.9090 | Yes | Yes | 3.006 | 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 | 11.54 | 11.54 | 11.54 | 11.54 | 11.54 | 11.54 | No | No | (No Data) | 20177.49 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138720 | 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 | 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) | -2549.45 | 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 | 3000.00 | No | (No Data) | 1.1767 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138673 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2425 | No | No | 2.054 | 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 | 43.22 | 43.22 | 43.22 | 43.22 | 43.22 | 43.22 | No | No | (No Data) | 11443.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 12 | 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> W2 - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 144 months;<br> IRS Transcripts – Tax Return(s) - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138741 | 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) | 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) | -870.76 | 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 | 1375.00 | No | (No Data) | 1.5790 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138737 | 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) | -1444.52 | 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) | 1.3845 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138748 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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 | 31.87 | 0 | 31.87 | 31.87 | 31.87 | (No Data) | (No Data) | (No Data) | 33990.09 | 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 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9663 | Yes | Yes | 2.768 | 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 | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.19 | 22.19 | 22.19 | 22.19 | 22.19 | 22.19 | No | No | (No Data) | 11144.75 | 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 - 60 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138705 | 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 | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | -3451.33 | 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) | Yes | 3500.00 | 1.1041 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138740 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -1245.3 | 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 | 1950.00 | No | (No Data) | 1.5656 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138736 | 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 | 7.5000 | 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) | -3172.86 | 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 | 4350.00 | No | (No Data) | 1.3710 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 2138725 | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | 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) | -1393.75 | 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 | 1740.00 | No | (No Data) | 1.2484 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2123136 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | -2245.28 | 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 | 1695.00 | No | (No Data) | 0.7549 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2123137 | 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) | Purchase | No | No | No | No | Yes | 5 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 3.594 | (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) | -3969.22 | 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 | 3000.00 | No | (No Data) | 0.7558 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138735 | 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 | 7.1251 | 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) | -1794.18 | 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) | 1.3376 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138710 | 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) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -2298.79 | 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) | 1.0440 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.3751 | 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) | -2519.16 | 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 | 2600.00 | No | (No Data) | 1.0320 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 2138691 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | -5042.22 | 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 | No | (No Data) | Yes | 4400.00 | 0.8726 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138675 | 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 | No | 1 | 8.7627 | Yes | Yes | 2.474 | Not Applicable | 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 | 35.59 | 35.59 | 35.59 | 35.59 | 35.59 | 35.59 | No | No | (No Data) | 8793.06 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138727 | 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 | 7.1251 | 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) | -3458.03 | 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 | 4400.00 | No | (No Data) | 1.2724 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138678 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.2957 | Yes | Yes | 2.087 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.86 | 38.17 | 39.86 | 38.17 | 38.17 | 38.17 | No | No | (No Data) | 19845.48 | 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 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138714 | 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 | 5% of amt prepd | (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) | -1664.68 | 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 | 1875.00 | No | (No Data) | 1.1263 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Permanent Resident Alien | 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) | No | Yes | 1 | 7.0100 | No | No | 2.423 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.67 | 47.67 | 47.67 | 47.67 | 47.67 | 47.67 | No | Yes | Yes | 6609.98 | 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) | Yes | 60 | No | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 60 months;<br> Personal Bank Statements - 12 months | CPA Letter - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 2138663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3763 | Yes | Yes | 1.151 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.89 | 22.89 | 22.89 | 22.89 | 22.89 | 22.89 | No | Yes | Yes | 13924.78 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138681 | 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) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.0459 | No | No | 3.564 | 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 | 49.55 | 49.56 | 49.55 | 49.56 | 49.56 | 49.56 | No | No | (No Data) | 11943.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 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> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138695 | 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 | Yes | Yes | 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) | -3155.9 | 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 | Yes | 2850.00 | No | (No Data) | 0.9030 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138693 | 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 | 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) | -4513.64 | 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 | 3750.00 | No | (No Data) | 0.8308 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138702 | 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 | 7.2500 | 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) | -1548.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 1550.00 | 1.0010 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138707 | 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 | 7.5000 | 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) | -1754.04 | 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) | 1.0262 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138688 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | -2294.17 | 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) | 0.7410 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138721 | 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 | 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) | -1552.44 | 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 | 1850.00 | No | (No Data) | 1.1916 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138696 | 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% 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) | -5822.71 | 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 | 5300.00 | No | (No Data) | 0.9102 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0140 | No | No | 2.369 | 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 | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48 | 48.24 | 48 | 48.24 | 48.24 | 48.24 | No | No | (No Data) | 7970.64 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2141287 | 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 | 7.2500 | 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) | -2651.11 | 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 | Yes | 2730.00 | No | (No Data) | 1.0297 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9419 | No | No | 2.437 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.28 | 47.28 | 47.28 | 47.28 | 47.28 | 47.28 | Yes | Yes | Yes | 7102.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2141288 | 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 | 7.2500 | 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) | -2616.71 | 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 | Yes | 2710.00 | No | (No Data) | 1.0356 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138698 | 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 | 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) | -2607.94 | 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 | Yes | 2500.00 | No | (No Data) | 0.9586 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138738 | 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) | -3247.47 | 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 | 4500.00 | No | (No Data) | 1.3856 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138706 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | -1479.01 | 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 | 1500.00 | No | (No Data) | 1.0151 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138692 | 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 | 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) | -3051.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 2500.00 | No | (No Data) | 0.8192 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2141292 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -2071.83 | 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 | 2000.00 | No | (No Data) | 0.9653 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9354 | Yes | Yes | 2.474 | 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 | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.62 | 32.62 | 32.62 | 32.62 | 32.62 | 32.62 | No | Yes | Yes | 12028.63 | 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 | 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 - 72 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138694 | 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) | 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) | -2856.2 | 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 | 2500.00 | No | (No Data) | 0.8752 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138699 | 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 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1661.66 | 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 | 1653.00 | No | (No Data) | 0.9947 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2138712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -4852.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 5200.00 | No | (No Data) | 1.0715 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (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 99.05

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

**Exhibit 99.05**

**Schedule 8. Clayton Loan Level Tape Compare Report**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *34* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 2138746 | XXXXXX | Representative Credit Score for Grading | 725 | 724 |
| 2138653 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138653 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2138745 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138734 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138667 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138667 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138668 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 2138668 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| 2138668 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 2138668 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2141289 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138671 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138718 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2138672 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138720 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138673 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138740 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2138740 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138725 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2123136 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138735 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138727 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138727 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138678 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138663 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138681 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138681 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2138693 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138707 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2138721 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2138721 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138683 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2138692 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2141292 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2138712 | XXXXXX | Disbursement Date | 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 99.06

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

**Exhibit 99.06**

**Digital Risk, LLC ("Digital Risk") Narrative**

![](ex9906001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 720 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-NQM6 (the "Securitization"). The review began on October 1, 2025 and concluded on May 21, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation
date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions
have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate DSCR Calculation of rent per lease or comparable rent schedule
from appraisal divided by the subject total PITIA payment – DSCR If Lease and comparable rent payments differ Digital Risk
will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs
and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk's review included a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review included verifying the appraisal
report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity
that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains
evidence that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the closing of
the loan. Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within
the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses,
and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged
property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital
Risk will review third-party products in the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, Digital Risk's review will (a) review the
relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable
properties are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject property
was bracketed by comparable properties, (c) verify that comparable properties used are similar in size, style, and location to
the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable
properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (i) verifying that the address matched the
mortgage note, (ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date
and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv)
confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing
pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that
the subject property is the one for which the valuation was ordered and that if there are negative external factors, there is support
in the loan file of the Client's approval to waive the factor; and (vi) confirming that the value product that was used as
part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation
products and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work with the client
on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's
price opinions, and full appraisals. If the property valuation products included in Digital Risk's review result in a variance
of more than 10% then the Client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by
such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for
conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments
were documented and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission
under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total
of payments, the payment schedule, the HOEPA disclosures;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

3. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14
days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or
final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

4. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital
Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan
designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and
ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and
(iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration
and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital Risk reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will
verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income,
and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income
or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate,
and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the
debt- to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment
calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property
such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees,
etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but
less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the
preliminary Loan application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS
is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS
data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting decision is supported (AUS or manual underwrite credit conditions
have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The Reverifications within this section are intended to meet the Client
Guidelines, Additional Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against
re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as
required by the Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The Reverifications within this section are intended
to meet the Agency Guidelines for post- closing quality control reverifications. (If needed)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment
and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met Client Guidelines or Additional
Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The Reverifications within this section are intended
to meet the Client or Agency Guidelines for post- closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with
approval and with all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital
Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan
designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and
ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and
(iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration
and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital Risk reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will
verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income,
and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income
or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate,
and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the
debt- to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment
calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property
such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees,
etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but
less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook
for the Single Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk's review included a review of the valuation materials
utilized during the origination of the loan and in confirming the value of the underlying property. Digital Risk's review
included verifying the appraisal report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender
or a related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another
lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval
of the mortgage loan application; Any revisions, if made known to Digital Risk, to the original report are documented and dated
completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including
all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied
portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate
authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance
based on a third-party valuation product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive
value, Digital Risk will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, Digital Risk's review
will (a) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure
that such comparable properties are within standard appraisal guidelines; (b) confirm the property value and square footage of
the subject property was bracketed by comparable properties, (c) verify that comparable properties used are similar in size, style,
and location to the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property
and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (a) verifying that
the address matched the mortgage note, (b) if requested, noting whether the property zip code was declared a FEMA disaster area
after the valuation date and notifying the Client of same, (c) confirming the appraisal report does not include any apparent environmental
problems, (d) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered),
(e) reviewing pictures to ensure (1) that the property is in average or better condition and any repairs are noted where required
and (2) that the subject property is the one for which the valuation was ordered and that there are no negative external factors;
and (f) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Digital Risk will confirm consistency
among the valuation products and if there are discrepancies that could not be resolved, Digital Risk will create an exception and
work with the client on the next steps which may include ordering of additional valuation products such as collateral desktop analyses,
broker's price opinions, and full appraisals. If the property valuation products included in Digital Risk's review
result in a variance of more than 10% then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital Risk will confirm to the extent possible, that the appraiser and
the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review
the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties
and adjustments were reasonable and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access the ASC database to verify that the
appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was
completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE REVIEW .

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all
sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a
"valid reason" for the Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for
the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used
for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) business days from the
application date, and at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) business days from date
of the "valid reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation
date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all
sections of the CD are completed; and (iii) the CD accurately reflects the information provided to Digital Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason
for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires
a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes
that require a new waiting period), was received at least three (3) business days prior to the consummation date. With respect
to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund
as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need
for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered
or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented
by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to
the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise
to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge,
the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees
disclosed in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances.
Confirm the total of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there
is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan
originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation
CD (" <u>PCCD</u> "), and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm
that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after
discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical
exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited
acts or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions
related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine
if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the
mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet
in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the
borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided
within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) business days of
application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in
the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later
than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the
mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership
counselling organizations within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation
B, 12 C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation;
and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article
XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>. Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and
Mortgage servicing transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 720 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.92% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.61% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;265 | &nbsp;&nbsp;36.81% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.94% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;30 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;33 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;32 | &nbsp;&nbsp;4.27% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Subject Zipcode | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount (or Original IO payment) | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.56% |

---

**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;488 | &nbsp;&nbsp;$119258581.50 | &nbsp;&nbsp;67.78% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;224 | &nbsp;&nbsp;$76663215.75 | &nbsp;&nbsp;31.11% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;8 | &nbsp;&nbsp;$4355988.00 | &nbsp;&nbsp;1.11% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;720 | &nbsp;&nbsp;$200277785.25 | &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;608 | &nbsp;&nbsp;$157789909.00 | &nbsp;&nbsp;84.44% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;112 | &nbsp;&nbsp;$42487876.25 | &nbsp;&nbsp;15.56% |
| &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;720 | &nbsp;&nbsp;$200277785.25 | &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;576 | &nbsp;&nbsp;$151524315.75 | &nbsp;&nbsp;80.11% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;135 | &nbsp;&nbsp;$44249481.50 | &nbsp;&nbsp;18.78% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;8 | &nbsp;&nbsp;$4355988.00 | &nbsp;&nbsp;1.11% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;719 | &nbsp;&nbsp;$200129785.25 | &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;718 | &nbsp;&nbsp;$199028035.25 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1249750.00 | &nbsp;&nbsp;0.28% |
| &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;720 | &nbsp;&nbsp;$200277785.25 | &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. The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.  |
| &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 99.06

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

**Exhibit 99.06**

**Schedule 1. Digital Risk Findings Summary Report**

EFMT 2026-NQM6 Rebuttal Findings_Redacted

---

| |
|:---|
| Seller: |
| Deal ID: |
| Total Loan Count: 720 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 488 | 67.78% | Review Complete | 711 | 98.75% |
| 2 | 224 | 31.11% | In Rebuttal | 9 | 1.25% |
| 3 | 8 | 1.11% |  |  |  |
| ![](piechart.jpg) | ![](piechart.jpg) | ![](piechart.jpg) | ![](piechart2.jpg) | ![](piechart2.jpg) | ![](piechart2.jpg) |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |  |  |  |
| 3 | 563 | 550 | 562 | 9 | 487 | 0 | 0 | 9 | 0 | 83 | 471 |  |  |  |
| 4 | 7 | 7 | 7 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 7 |  |  |  |
| 2 | 357 | 158 | 184 | 1 | 152 | 0 | 0 | 0 | 0 | 206 | 151 |  |  |  |
| 1 | 1531 | 18 | 18 | 1480 | 4 | 0 | 16 | 0 | 0 | 0 | 1531 |  |  |  |
|  | 4 | 2 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 4 |  |  |  |
|  |  |  |  |  |  |  |  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | 461 | 175 | 2 | 284 | 9 | 0 | 153 |
| Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | 195 | 28 | 0 | 167 | 1 | 0 | 23 |
| State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | 37 | 2 | 0 | 35 | 0 | 0 | 37 |
| Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | 25 | 25 | 0 | 0 | 0 | 0 | 1 |
| Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | 22 | 22 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | 22 | 8 | 0 | 14 | 0 | 0 | 14 |
| HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | 21 | 0 | 0 | 21 | 0 | 0 | 16 |
| Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | 17 | 4 | 0 | 13 | 0 | 0 | 13 |
| TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | 16 | 16 | 0 | 0 | 1 | 0 | 9 |
| TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | 12 | 0 | 0 | 12 | 0 | 0 | 12 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 8 | 8 | 0 | 0 | 2 | 0 | 1 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | 5 | 5 | 0 | 0 | 0 | 0 | 2 |
| Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | 5 | 4 | 0 | 1 | 0 | 0 | 1 |
| HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | 3 | 3 | 0 | 0 | 1 | 0 | 0 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | 3 | 3 | 0 | 0 | 1 | 0 | 1 |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | 2 | 0 | 2 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 2 | 2 | 0 | 0 | 1 | 0 | 1 |
| State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| ROR - Missing | ROR - Missing | ROR - Missing | ROR - Missing | ROR - Missing | ROR - Missing | ROR - Missing | ROR - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | TRID - eConsent/Disclosure Timing Violation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HOC - Late | HOC - Late | HOC - Late | HOC - Late | HOC - Late | HOC - Late | HOC - Late | HOC - Late | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit | Credit | Credit | Credit | Credit | Credit | Credit | Credit | 447 | 371 | 5 | 71 | 0 | 0 | 134 |
| DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | 107 | 68 | 0 | 39 | 0 | 0 | 47 |
| Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | 56 | 42 | 0 | 14 | 0 | 0 | 35 |
| Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | 24 | 24 | 0 | 0 | 0 | 0 | 1 |
| Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | 21 | 19 | 0 | 2 | 0 | 0 | 3 |
| Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | 20 | 20 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | 15 | 14 | 0 | 1 | 0 | 0 | 10 |
| DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | 15 | 15 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | 14 | 13 | 0 | 1 | 0 | 0 | 7 |
| Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | 12 | 12 | 0 | 0 | 0 | 0 | 1 |
| DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | 12 | 12 | 0 | 0 | 0 | 0 | 1 |
| Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | 11 | 11 | 0 | 0 | 0 | 0 | 1 |
| Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | 11 | 11 | 0 | 0 | 0 | 0 | 2 |
| Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | 8 | 8 | 0 | 0 | 0 | 0 | 1 |
| Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | 7 | 7 | 0 | 0 | 0 | 0 | 1 |
| Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | 6 | 3 | 0 | 3 | 0 | 0 | 6 |
| Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | 4 | 3 | 0 | 1 | 0 | 0 | 1 |
| Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Final Application - Inaccurate | Final Application - Inaccurate | Final Application - Inaccurate | Final Application - Inaccurate | Final Application - Inaccurate | Final Application - Inaccurate | Final Application - Inaccurate | Final Application - Inaccurate | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | 3 | 2 | 1 | 0 | 0 | 0 | 0 |
| Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Contract - Concessions | Contract - Concessions | Contract - Concessions | Contract - Concessions | Contract - Concessions | Contract - Concessions | Contract - Concessions | Contract - Concessions | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | 2 | 1 | 0 | 1 | 0 | 0 | 2 |
| Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Credit Report - Inquiries | Credit Report - Inquiries | Credit Report - Inquiries | Credit Report - Inquiries | Credit Report - Inquiries | Credit Report - Inquiries | Credit Report - Inquiries | Credit Report - Inquiries | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | 19 | 17 | 0 | 2 | 0 | 0 | 2 |
| Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | 17 | 17 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | 2 | 0 | 0 | 2 | 0 | 0 | 2 |

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![](barchart.jpg)

## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 2. Digital Risk Findings Exception Report**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2140095 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD: Signing Agent Fee and LLC Fee. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2140095 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please provide overlays as guidelines reviewed do not show this information and based in our processor&#XXXX;s review HOI fulfills all conditions required according to guidelines.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX confirming all perils are covered.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Evidence of All Perils coverage is an Investor requirement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2140095 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. Guidelines require a XXXX month housing history. The credit report reflects a XXXX month mortgage history as the primary residence was recently purchased. The borrower rented previously for XXXX years per the XXXX. The file is missing the rental history in order to verify a full XXXX months. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower&#XXXX;s partner confirmed borrower was living rent free. LOE and updated XXXX attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2140095 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The matrix allows an LTV of XXXX% for the purchase of an investment property with a FICO over XXXX. The loan was approved with an LTV of XXXX% which exceeds maximum allowed of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was locked with an XXXX% LTV. This was not a problem at the time of locking the loan.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per XXXX Matrix, XXXX% LTV is allowed.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Guidelines utilized allow a maximum LV of XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, DTI of XXXX%, Self-employed XXXX years** | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2140095 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142213 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142213 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The income is miscalculated for the borrowers, the recalculated DTI is not within allowable tolerances or DTI MAX. The bank statement income used at origination utilizes a XXXX% expense factor. The loan file does not contain documentation supporting this expense factor (i.e. CPA letter) and XXXX% would be unreasonable for the type of business (auto sales) investor guidelines indicate an standard expense factor of XXXX% would be used. The social security income at origination was grossed up XXXX% on XXXX% of the income as opposed to the XXXX% on XXXX% when the loan file does not include documentation supporting the source of fund being non-taxable. These XXXX miscalculations increased the origination DTI of XXXX% to XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached personal bank statements and Personal Bank Statement calculator for additional income for the borrower. I have also corrected the business bank statement calculator and uploaded it for your review. The XXXX/XXXX have been updated with the adjusted income and are also uploaded. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> it appears the income from the personal tax returns were not used in the total income calculation (Please see our previously uploaded XXXX/XXXX and income calculators for both business bank statement and personal bank statement. Total income is as follows: Business bank statements - XXXX months income $XXXX + personal bank statements- XXXX months income $XXXX + Social Security income $XXXX + Rental income XXXX = Total $XXXX qualifying income. It appears per your calculations that you are only using the business bank statements with income of $XXXX. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> We have updated our income calculator for the business bank statement to reflect the XXXX% expense ratio and previously uploaded. We are asking to also include income from the personal bank statements. I will re-upload them since it appears you don't have all XXXX months. With the addition of the personal bank statement income, the ratios drop to XXXX%. Our personal bank statement income Calculator was previously uploaded. Please see trailing documents for this.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Statements provided were already in file and used. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The difference is that XXXX% expense ratio was used. Personal was not used because only the most recent XXXX statements were provided.SS and Rental were used. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142213 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151886 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151886 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151886 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151876 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151876 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject transaction was a cash out refinance with a Note date of XX/XX/XXXX. File documentation reflected the borrower's purchased the subject property XX/XX/XXXX which was XXXX months and XXXX days prior to the subject's note date. The investor guidelines required a minimum XXXX months seasoning for cash out refinances. Subject did not meet the minimum required seasoning guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached exception approval.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2151876 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151880 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2151880 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2151880 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2151879 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final Settlement uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The Final Settlement Statement has been provided disclosing the disbursement date for the loan as XX/XX/XXXX. The XXXX discloses the funding date as XX/XX/XXXX. Please provide an LOE and PCCD updating the funding date for review (Acknowledged)** |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2151879 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2151879 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144935 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised Loan Estimate on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the increase to the following fees was not accepted: Transfer Taxes. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The transfer taxes were paid by the seller at closing. does a cure still need to be completed?<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see the attached PCCD, check and fedex label for the $XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The borrower paid XXXX were disclosed on the Initial LE issued on XX/XX/XXXX in the amount of $XXXX, XXXX. They borrower pd. fee increased to $XXXX, XXXX without a valid COC on the LE issued on XX/XX/XXXX and remained at $XXXX;XXXX as borrower pd. portion on the Final CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144935 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The final closing disclosure indicates a credit to the borrower of $XXXX indicated as a bridge loan with a payment considered on the REO schedule. The loan file does not contain documentation supporting the bridge loan amount/terms. Unable to verify if the required XXXX% equity in exit home is available for exclusion of the PITI from the DTI. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final CD for Bridge loan** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144935 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contain documentation supporting the taxes and insurance are included in the XXXX mortgage. While the payment was excluded, investor guidelines require XXXX months reserves for the property to allow for exclusion. Unable to verify accurate reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The Bridge is coming the cash to close and the statement from Ally is covering the reserves, the borrower is putting the home with the Shellpoint on the market** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144935 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142217 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142217 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142217 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142214 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142214 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The final XXXX includes a solar panel instalment loan but the loan file does not contain documentation supporting the balance or monthly payment used to qualify. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> solar lease agreement** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142214 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> hoi booklet** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils not reflected. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142214 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing a cash out explanation letter addressing the loans proceeds as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cash out loe** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142214 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151878 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151878 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Dec page with perils** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is complete. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151878 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The appraisal provided with the loan file indicates the subject property is rural. Investor guidelines list properties designated as rural by the appraiser as unacceptable property types. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception approval from XXXX for a rural property** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. $XXXX per month residual income. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2151878 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151875 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151875 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject property LTV is XXXX%. The matrix dated XX/XX/XXXX and listed as applicable to this loan indicates an LTV of up to XXXX% is acceptable for a cash-out refinance on a primary residence with a FICO greater than XXXX however the full guidelines dated XX/XX/XXXX indicate a maximum LTV of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Rebuttal uploaded for LTV** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151875 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142216 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142216 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142216 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144937 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144937 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144937 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144938 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144938 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file is missing a soft pull dated within XXXX calendar days of funding or undisclosed monitoring through the funding date as required per investor guidelines. The disclosures indicate a soft consent was signed but documentation supporting active monitoring or the soft pull report was not provided in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> debt monitoring** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144938 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contain documentation supporting the three mortgages on the rental properties payments include taxes and insurance or any applicable HOAs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> statements with impounds uploaded** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144938 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Dec page** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144938 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 second appraisal that supports the amount used to qualify. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144936 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144936 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The primary borrower is a permanent resident alien and provided a copy of this permanent resident alien card. The permanent resident alien card reflected an expiration date of XX/XX/XXXX. The file did not contain additional updated information on the borrower's identity to support his current status in the US. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see legal status** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144936 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151883 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised Loan Estimate issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the increase/addition to the following fee was not accepted: Appraisal Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please use the XX/XX/XXXX as the baseline due to lower loan amount with the revise appraisal fee. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> PCCD with check, CD and label** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The COC issued on XX/XX/XXXX states there was a decrease in loan amount. The Appraisal Fee is not a decrease in loan amount dependent fee. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2151883 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for the bank statement program. Per the lender's guidelines the applicants combined must own XXXX% or more of the business to utilize business bank statements. A review of the operating agreement for XXXX reflects that XXXX% of the business is owned by XXXX. An unredacted operating agreement for XXXX is needed to determine ownership of this business. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see articles of organization reflecting the borrower as the owner** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151883 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The title reflects a XXXX loan with XXXX #XXXX. The payoff reflects a total amount due of $XXXX. However, the CD reflects only $XXXX was paid. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please clarify the condition. The XXXX loan was associated with the borrower&#XXXX;s business and was a non personal liability not reflecting on the credit report and was not required to be paid off to qualify.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151883 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151877 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | ROR - Missing | XXXX | There is no evidence in the file that the Right to Cancel Notice was provided to the borrower and/or all consumers with a right to rescind. Truth in XXXX (Regulation Z) 12 CFR 1026.23(b), (a)(1). Additionally, rescission needs to be re-opened. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached executed Right to Cancel** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151877 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151877 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151882 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151882 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151882 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151881 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached XXXX/XXXX ICD. the CD referenced in the condition is the closing CD<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> please see attached XXXX/XXXX ICD. the CD referenced in the condition is the closing CD** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151881 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD 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. Therefore, baseline did not reset as a result of the following additions/increases: Appraisal Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. Because the change occurred on XX/XX/XXXX and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fee was not accepted as valid: XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached XXXX/XXXX LE and COC for increased appraisal fee<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> please see attached XXXX/XXXX LE and COC for increased appraisal fee** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151881 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151881 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142218 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142218 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142218 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151885 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151885 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The loan file is missing verification documentation from a CPA including ownership percentage for the business income used to qualify as required per investor guidelines. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrowers business bank statements were used and per Section 5.2, the guidelines allowed for the use of the state filings, which was provided in the loan file pg XXXX. Corp documents also provided to support ownership. Guidelines also stated that "a CPA letter is not required to validate self-employment"** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Agree. Only other member is joint on the mortgage. (Void)** |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151885 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151884 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151884 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The loan file is missing an addendum establishing the $XXXX seller credit towards closing cost as indicated on the final closing disclosure. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached addendum with seller credit** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151884 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see insurer website for the list of perils associated with HOI policies and met the guidelines.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151884 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2135912 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2135912 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The maximum LTV for a XXXX-XXXX unit (requires XXXX% reduction) XXXX property is XXXX%; however, the subject XXXX unit property closed with an XXXX% LTV, exceeding guidelines. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, DSCR of XXXX, 0x30 mortgage history for XXXX months reviewed** | XXXX. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2135912 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129518 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129518 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129518 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158670 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158670 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per Lender's guides, the max LTV is XXXX% for a cash out refinance of a DSCR loan where the property is XXXX units. The Lender's guides also require a XXXX% reduction in LTV for XXXX-XXXX unit properties. Therefore, the qualifying LTV is required to be XXXX%. The subject is a XXXX unit investment property; however, the qualifying LTV is XXXX%, which exceeds the max LTV for XXXX-XXXX units is XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, Experienced Investor, Calculated DSCR of XXXX** | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2158670 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2137036 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2137036 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2137036 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2137037 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2137037 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2137037 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158671 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158671 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The photos of the subject provided by the appraiser reflect furniture and personal belongings within the property. Further, an interior BPO also reflects photos of furniture and personal belongings within the property and is deemed occupied. Guidelines require a copy of the lease on all occupied properties; however, the loan file did not contain a copy of the lease nor an explanation for the personal effects in the photos. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158671 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. Guidelines prohibit properties which exceed XXXX acres on DSCR transactions. The subject property consists of XXXX acres per the appraisal and is therefore an ineligible property. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Noted Compensating factors: #XXXX69 in verified reserves, experienced investor** | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2158671 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153390 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153390 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The maximum allowed LTV for a cash-out refinance with a loan amount of $XXXX and a qualifying FICO of XXXX is XXXX%. The subject closed with an LTV of XXXX% which exceeds the maximum allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Reviewed to the XXXX NonQM and DSCR Matrices dated XXXX.XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153390 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153389 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153389 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153389 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158672 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158672 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158672 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153188 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153188 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. The credit report for XXXX reflects the Experian report is locked (XXXX) at consumers request. Guidelines require that a new XXXX bureau merged report be obtained. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - We do NOT need to conduct another Credit report. See below guideline:<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> If there is a security freeze on all XXXX bureaus and we cannot get scores, then they would have to be unfrozen and re-pulled. As we got XXXX out of the XXXX scores, the lower of the XXXX scores was used. We are not re-pulling the borrower&#XXXX;s credit as we only require XXXX of the XXXX scores.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see investor approval.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX section 5.2.3 reflects the credit report used may not reflect a security freeze and must be resolved prior to decision. When bureau is unfrozen, a new XXXX bureau merged report must be provided. It is true that XXXX bureaus could be used only if there are only XXXX scores available, which is not the case. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The guide does not allow bureau security freezes. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153188 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The borrowing entity XXXX, is a layered entity consisting of XXXX as the sole member. The members of XXXX are XXXX% XXXX, XXXX% XXXX and XXXX% XXXX. XXXX is the sole member of XXXX. The good standing for XXXX and XXXX were missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached COGS for XXXX. XXXX is XXXX, and does not provide COGS. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> both entities are reflecting as Active. They are not our borrowing entity and if they haven&#XXXX;t needed to file an annual report.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> please see investor approval.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Some type of active business confirmation is required for XXXX. XXXX fund is not in good standing. The annual report is past due since XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Layered entities require good standing. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Still missing some type of active business confirmation for XXXX. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153188 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require XXXX month rent receipt for occupied properties. The loan file did not contain any evidence of rent receipt for any of the subject units. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Market rent for XXXX was $XXXX compared to lease amount of $XXXX. Actual lease amount was lower than market rent, therefore, did not need to request lease. Market rent for XXXX was $XXXX which was the same as the lease amount. Verification not needed.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Refer to section 2.7.1 stating that if the lease agreement is higher than market rent by no more than XXXX%, it can be used with XXXX months of lease verification. If market rent is the same or higher, we defer to the lease amount, which if lower or the same, is safer<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> please see investor approval.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX page XXXX of the guide indicates XXXX month rent is required unless the property is vacant. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Leases must be supported by a XXXX month of rent receipt for each. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153188 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153190 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153190 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Subject is an XXXX unit property and requires client approval as XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> lender approval attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> This is the investor portal.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must also be approved by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153190 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report provided which was dated XX/XX/XXXX reflected that credit was frozen on all XXXX bureaus. Investor guidelines required that security freezes must be resolved prior to underwriting decision. A new XXXX-bureau report must be obtained to reflect current and updated information from all repoitories. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153190 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject loan closed in the name of XXXX XXXX. The investor guidelines require loans vested in an entity that a minimum of XXXX% of the Entity ownership must be represented as borrower's on the loan. The borrower/guarantor, XXXX, on the loan had XXXX% ownership in the LLC. Additional member with ownership of XXXX% or more was not represented. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX has XXXX% interest through Class A interest and another XXXX% interest in class B interest totaling the required XXXX% entity interest.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see page XXXX.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Combined XXXX% ownership referenced in rebuttal was not provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153190 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155476 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155476 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155476 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142227 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The vested Interest on the Security Instrument is inconsistent with Title. The Entity listed on the Security Instrument is not the same Entity reflected as current vested on XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142227 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation. The Master HOI is not in the loan file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142227 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file was missing current hazard insurance policy on the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there is no individual policy for the units this policy covers all units.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide the individual wall-in policy for the subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Unable to clear. This is a condo. Confirmation of Walls-In coverage is required. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142227 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142223 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate. The current vesting reflects a different Entity and an executed Deed showing the transfer was not found in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> transfer deed attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142223 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | A blanket insurance policy was provided that covered multiple properties. A hazard insurance policy on the subject property/unit number with specific coverage amounts and premium for the subject property only was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - borrower owns the entire building. Coverage applies to the entire building<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please refer to file XXXX. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> there is no separate walls-in coverage. The blanket policy confirms walls-in is included.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide documentation from the insurance company that isolates the subject premium. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Unable to use other loan files to cure conditions. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Unable to clear. This is a condo. Confirmation of Walls-In coverage is required. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142223 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX. Documentation to support listing has been canceled/withdrawn was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> listing was removed. Currently listed for rent.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please refer to file XXXX.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> no unit is currently listed for sale. The listing has been removed. please see link below. XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide documented evidence that the listing was removed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Unable to use other loan files to cure conditions. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142223 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142222 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX and XXXX are missing from security instrument. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142222 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | A blanket insurance policy was provided that covered multiple properties. A hazard insurance policy on the subject property/unit number with specific coverage amounts and premium for the subject property only was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> - borrower owns the entire building. Coverage applies to the entire building. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> - Blanket policy is acceptable as the borrower owns all units in the buildings. This is the same policy used for loans that were cleared in DD as well. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> there is no separate walls-in coverage. The blanket policy confirms walls-in is included on all units.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide documentation from the insurance company that isolates the subject premium. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Please provide the individual walls-in policy. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Unable to clear. This is a condo. Confirmation of Walls-In coverage is required. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142222 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX. Documentation to support listing has been canceled/withdrawn was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> listing was removed. Currently listed for rent <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please refer to file XXXX this has already been cleared. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> no unit is listed for sale currently. The listing has been removed please see link below. - XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide documentation that the listing was removed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Unable to use documentation from other loan files to cure findings. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142222 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153189 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Entity name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX d/b/a/ XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower has to use a fictitious name in XXXX as XXXX was already taken. Therefore, the fictitious name is XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153189 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153189 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153192 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153192 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Subject is a XXXX unit property and requires client approval as XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153192 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | XXXX business account # XXXX, printout of transaction dates from XX/XX/XXXX - XX/XX/XXXX was provided. XXXX large undocumented deposits in the amount of $XXXX and $XXXX, both dated XX/XX/XXXX were reflected. Documentation in the file reflected these deposits were from cash out refinances of properties located at XXXX, XXXX, XXXX and XXXX, XXXX, XXXX. Page one of the Settlement Statements were provided; however, both were missing page XXXX with the final cash out amounts. Please provide all pages of the settlement statements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached, signature and final cash out amounts.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153192 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A XXXX dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156445 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156445 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached HUD.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156445 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject loan was a cash out refinance. The XXXX report indicted the subject was purchased XX/XX/XXXX for $XXXX with a mortgage taken out on the same date for $XXXX. The subject Note date was XX/XX/XXXX. For a cash out refinance the investor guidelines required ownership seasoning of a minimum XXXX months. The subject transaction did not meet the seasoning requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached original purchase was an REO sale from a bank. Original loan was a flip loan with a rehab holdback. See attached budget that constitutes value add rehab going into the property. Therefore, seasoning is not required.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156445 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155477 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155477 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155477 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject closed in the name of XXXX. The investor guidelines required a Certificate of Good Standing dated within XXXX days of the Note date for the LLC. Required document was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153191 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153191 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal provided in the loan file was missing the appraiser's name, license #, signature, appraisal company name, address and phone number and date report was signed. An updated copy of the appraisal with all pertinent information is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot provided referencing account xXXXX with a current balance of $XXXX. Attached refinance HUD reflected cash to borrower of $XXXX on a refinance done XX/XX/XXXX as VOD. We had XXXX previous statements for account xXXXX. This should be clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153191 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The subject transaction required closing funds in the amount of $XXXX plus reserves in the amount of $XXXX for total funds of $XXXX. A XXXX business checking account #XXXX with a statement ending date of XX/XX/XXXX with an ending balance of $XXXX was provided. Additionally, a one page print out was provided and indicated the current balance in # XXXX was $XXXX. This balance statement did not reflect the date of the balance printout or a list of transactions to support the large increase from the ending balance on XX/XX/XXXX to the balance printout date was not provided. The investor guidelines required transactions including large deposits or account balances that are considerably greater than the average balance over the previous months to be investigated /reviewed and a source of funds to be verified. Required documentation was not provided. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot provided referencing account xXXXX with a current balance of $XXXX. Attached refinance HUD reflected cash to borrower of $XXXX on a refinance done XX/XX/XXXX as VOD. We had XXXX previous statements for account xXXXX. This should be clear. - Appraisal missing information - it&#XXXX;s all in there... appraisal re-attached just in case.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2153191 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155478 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155478 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155478 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156447 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2156447 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2156447 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2156447 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2155479 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155479 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155479 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2147734 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2147734 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Title commitment and QCD for the properties transferred at closing attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2147734 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2147734 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158138 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158138 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158138 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142198 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142198 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The loan file is missing the required photo identification for XXXX as required by guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Front and back of the borrower&#XXXX;s driver license attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142198 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144150 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144150 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy provided indicates $XXXX in liability coverage. Investor guidelines require borrowers to have general liability of at least per occurrence minimum coverage $XXXX and aggregate coverage of $XXXX. Documentation of sufficient coverage is not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation of $XXXXm aggregate coverage for liability insurance from the insurance agent.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144150 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139877 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2139877 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2139877 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2139878 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2139878 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2139878 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158139 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The new mortgage is in the name of Entity: XXXX, LLC, but current title shows it's in the name of Entity: XXXX. A transfer deed from the XXXX to XXXX is required to confirm accurate parties to the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Transfer deed attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158139 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The guidelines indicate all fraud alerts must be cleared and/or addressed by borrower or credit bureau, including Initial 90-day Alert, XXXX, Active-Duty Alert, and/or XXXX. The Borrower's year of birth was XXXX and the credit report indicates the Borrower/Guarantor's SSN has never been issued or was issued after XXXX. The loan file contains an LOE from the Borrower indicating the SSN was issued in XXXX, however, the loan file is missing verification of the Borrower's SSN. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower is not originally from this country which is the reason his SSN was not issued until XXXX. We were able to pull the borrowers credit and background using the provided SSN from the borrower. What other documentation would be needed to verify his SSN?** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation and documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158139 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate Background Check including Foreclosure/NODs and alleged criminal filings. The loan file contains a criminal search for the Borrower/Guarantor but is missing a Background Check. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Liens & Judgments search on the borrower attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158139 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate that the Borrower must provide leases on all properties and units if they are determined to be occupied as well as XXXX months of rent receipts. The loan file contains an eligible lease agreement; however, the rent receipt(s) provided for XXXX/XXXX and a partial payment of $XXXX for XXXX/XXXX reflects XXXX as payor and does not reflect the current tenant "XXXX." It should be noted that a partial payment of $XXXX for XXXX/XXXX rent and XXXX rent reflects XXXX as payor, however, due to the last name match to Borrower Jorge Aguirre, it is plausible that this is a spouse or relative paying on behalf of tenant. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE provided from the borrower stating the tenants form of payment (XXXX) does not work from time to time and he makes payments through friends/relatives when that occurs.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158139 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate If guarantor has an open/active mortgage for their primary residence that is not being reported on their credit report, XXXX requires XXXX months of mortgage statements. The credit report reflects a mortgage to XXXX that was opened XX/XX/XXXX, reporting XXXX months 0x30. However, the loan file does not contain supporting documentation (mortgage statement, property report) that the mortgage is for the Borrower/Guarantor's primary residence located at XXXX, XXXX XXXX XXXX as reflected on the application or evidence the property is owned free & clear. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is a property search through XXXX verifying the $XXXXk mortgage on the borrower&#XXXX;s CR is in fact tied to his primary residence located at &#XXXX;XXXX, XXXX, OH XXXX&#XXXX;** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158139 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158140 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The new mortgage is in the name of Entity: XXXX, LLC, but current title shows it's in the name of Entity: XXXX. A transfer deed from the XXXX to XXXX is required to confirm accurate parties to the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Transfer deed attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158140 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The guidelines indicate all fraud alerts must be cleared and/or addressed by borrower or credit bureau, including Initial 90-day Alert, XXXX, Active-Duty Alert, and/or XXXX. The Borrower's year of birth was XXXX and the credit report indicates the Borrower/Guarantor's SSN has never been issued or was issued after XXXX. The loan file contains an LOE from the Borrower indicating the SSN was issued in XXXX, however, the loan file is missing verification of the Borrower's SSN. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower is not originally from this country which is the reason his SSN was not issued until XXXX. We were able to pull the borrowers credit and background using the provided SSN from the borrower. What other documentation would be needed to verify his SSN?** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158140 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate Background Check including Foreclosure/NODs and alleged criminal filings. The loan file contains a criminal search for the Borrower/Guarantor but is missing a Background Check. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Liens & Judgments search on the borrower attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158140 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate If guarantor has an open/active mortgage for their primary residence that is not being reported on their credit report, XXXX requires XXXX months of mortgage statements. The credit report reflects a mortgage to XXXX that was opened XX/XX/XXXX, reporting XXXX months 0x30. However, the loan file does not contain supporting documentation (mortgage statement, property report) that the mortgage is for the Borrower/Guarantor's primary residence located at XXXX, XXXX XXXX XXXX as reflected on the application or evidence the property is owned free & clear. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is a property search through XXXX verifying the $XXXXk mortgage on the borrower&#XXXX;s CR is in fact tied to his primary residence located at &#XXXX;XXXX, XXXX, XXXX&#XXXX;** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158140 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152656 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2152656 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152656 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142199 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2142199 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142199 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142200 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2142200 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142200 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144153 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2144153 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirmation of All Other Perils from the insurance agent is attached. XXXX coverage is mentioned specifically on the EOI already.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144153 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Investor guidelines state "The borrower must provide leases on all properties and units if they are determined to be occupied as well as XXXX months of rent receipts". The loan file contains leases for both units along with hand written receipts for cash for the units, with one of the units receipts not equal to the lease provided. Guidelines include DSCR calculation if proof of rents is not provided making the calculation accurate but does indicate proof of receipt is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All rent receipts provided for each unit match exactly to each corresponding lease for this property. Unit XXXX is showing proof of XXXX payments of $XXXX/month and Unit XXXX is showing proof of XXXX payments of $XXXX/month.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144153 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129603 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129603 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129603 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152653 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2152653 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152653 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152663 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed closed-end product. The Open-ended form was utilized for the Security Instrument when a Closed-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2152663 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152663 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142195 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142195 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The guidelines indicate a XXXX signed, stating name and entity type is required. The loan file is missing the W-XXXX form for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142195 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144149 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144149 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file contains a hazard insurance policy which includes personal liability coverage if $XXXX. Investor guidelines require at least $XXXX per occupancy and $XXXX aggregate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Corrected EOI with the correct amount of XXXX coverage attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144149 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2147736 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2147736 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2147736 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144147 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144147 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Investor guidelines state if the guarantor has an open/active mortgage on their primary residence that is not being reported on their credit report XXXX requires XXXX months of mortgage statements. The SiteX Report provided in the loan file indicates a recent vendor XXXX dated XX/XX/XXXX on the borrowers primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage statements on the borrower&#XXXX;s primary attached. XXXX is the borrower&#XXXX;s wife who&#XXXX;s the house&#XXXX;s name is in.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144147 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Investor guidelines state the borrower is to have general liability of at least per occurrence coverage of $XXXX and aggregate coverage of $XXXX. The insurance policy provided indicates $XXXX in liability coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated liability coverage and paid invoice attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144147 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144148 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144148 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144148 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155362 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155362 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Entity name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX; however, the mortgage lists XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> They are the same entity a here is a corrective deed to amend the typo.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155362 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155362 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144151 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144151 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144151 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144152 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144152 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144152 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142197 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed close-end product. The Open-end Form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2142197 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142197 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152660 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152660 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152660 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142196 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142196 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate a Background Check including Foreclosure/NODs and alleged criminal filings is required for the Guarantor. The loan file is missing the required background report(s) for the Guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Liens & Judgments and Criminal search attached on the borrower.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142196 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152658 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152658 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152658 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142201 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2142201 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142201 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152654 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX-XXXX Family Rider | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I believe this document is only required for multi-unit investment properties where the owner of the property is living in one of the units (not the case here). This rider would allow the lender to collect rent from the property if the owner defaults on the loan. Correct XXXX if I&#XXXX;m wrong but I believe this condition should be waived given the property is fully tenant occupied.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2152654 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2152654 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152654 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152655 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2152655 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. The loan file is is Rate/Term refinance, with the borrower bringing $XXXX in cash to closing and is also required to evidence reserves in the amount of $XXXX. A portion of the closing funds are coming a concurrent cash-out refinance of another property, loan #XXXXXXXX, the loan file does not contain evidence, in the form of a HUD-XXXX or Closing Disclosure that reflects those funds as being available to the borrower. Please provide the HUD-XXXX or Closing Disclosure from Loan #XXXXXXXX. Additional conditions could apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX from XXXX attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2152655 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139887 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139887 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139887 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158144 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing Prepayment Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Prepayment rider attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158144 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158144 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2147737 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2147737 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The file contains a XXXX background report for both the borrower and the non-borrowing entity member as required. The report for the borrower reflects XXXX criminal filings with no date or specifics provided and the report for the non-borrowing member reflects XXXX criminal filing with no date or specifics provided. Guidelines require these to be addressed for loan eligibility. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Unspecified charges on a borrower&#XXXX;s background check are assumed to be nothing more than a traffic violation. This is particularly common for violations that occur in the state of XXXX.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2147737 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152659 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2152659 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152659 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158141 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158141 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158141 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158142 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158142 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158142 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152661 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152661 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152661 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2147738 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2147738 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate the Borrower must provide leases on all properties and units if they are determined to be occupied as well as XXXX months of rent receipts. The loan file contains XXXX months receipt of rents at $XXXX, however the loan file is missing a copy of the current lease agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lease agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2147738 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a VOM is not required when a borrower has an open/active mortgage for their primary residence on their credit report. The credit report for the Borrower reflects (XXXX) open mortgages, however, documentation within the loan file doesn't confirm either mortgage is for the primary residence (XXXX, XXXX XXXX XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Both mortgages seen on the borrower&#XXXX;s credit report tie back to his primary residence located at XXXX, XXXX, VA XXXX. Transaction log for the primary residence attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2147738 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152662 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152662 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152662 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2147735 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2147735 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2147735 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144154 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2144154 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144154 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155364 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155364 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155364 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158146 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158146 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158146 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125839 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125839 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The vesting XXXX (XXXX) contains XXXX members. The Resolution is missing from the file. The Resolution is required by/at closing in order to approve the use of the Resolution and to establish signing authority. Not required at prefund review | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached resolution.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2125839 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require the property condition rating to be C1, C2 or C3 for the DSCR program. The appraisal reflects the condition as C4; therefore, does not meet guideline requirement. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception approved by investor - see attachment.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2125839 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151779 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151779 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. The evidence of insurance in the loan file does not indicate coverage for all perils. A quote for coverage in the loan file, dated prior to the evidence of insurance reflects "Basic" coverage which does not include all perils. The loan file also contained an email from the insurance agent confirmed that the policies for both properties were DP-XXXX policies which covers only the basic perils and does not cover all perils with an offer to upgrade to a policy covering all perils; however, the post close file does not have evidence of the upgraded insurance for both properties reflecting all perils covered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached updated policies. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Correct EOI attached.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Please see attached email confirming all perils are included.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing coverage for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> HOI evidence of coverage provided is not for XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Incorrect property. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Still missing evidence of all perils. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151779 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133274 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133274 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Guidelines require the property condition rating to be C1, C2 or C3 for the DSCR program. The appraisal reflects the condition as C4; therefore, does not meet guideline requirement. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See page XXXX of attached appraisal - appraiser notes C4 condition is due to no updates to property in prior XXXX years, and is adequately maintained, no major damage or cost to cure. Interior photos do not indicate any structural or major damage. Please clear due to these comments. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached. Cleared in the XXXX portal <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached full screenshot showing investor approval.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX does not allow C4 property condition. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133274 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. The file contained an Assignment of Purchase and Sale Agreement between the borrower and XXXX. The file did not contain the original contract for review in order to confirm XXXX was original buyer and able to assign the contract. Noted, the assignment of purchase and sale agreement indicates the original contract date is XX/XX/XXXX; however, appears it should be XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Contract attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133274 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The file is missing XXXX for XXXX LLC. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133274 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. XXXX is XXXX% for the subject transaction. Subject closed with an LTV of XXXX%, which exceeds the max of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception, investor requests XXXX% XXXX, PPF accepts. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached. Cleared in XXXX portal<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached full screenshot with exception approval by investor. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The LTV is XXXX%. Investor states exception is good up to XXXX% LTV. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2133274 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contained a CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159520 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159520 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXXD to validate value or required repairs. The appraisal was completed subject to favorable structural engineer's report or repairs if needed. The loan file does not contain a favorable structural engineer's report. Subject must be in as-is value per the guidelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Structural report and XXXXD attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159520 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The lease on the subject property reflects the property is managed by a property management company, XXXX. The loan file is missing the property management agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE regarding property management attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159520 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject was purchased XX/XX/XXXX with a sales price of $XXXX as evidenced by the HUD provided in the file. The application date is XX/XX/XXXX which is within XXXX months of the purchase disbursement date of XX/XX/XXXX; therefore, the loan reviewed as a Delayed Purchase. Guidelines require documentation of the source of funds used to purchase the property which is missing from the file. In addition, the new loan may not exceed the borrower's initial purchase amount, including closing costs. The new loan amount is $XXXX and the total cost to purchase the property plus closing costs per the HUD totals $XXXX; therefore, new loan amount exceeds. Noted, appraiser indicated updating; however, no documentation to confirm renovation costs. If provided, LTV will be based off of the lesser of acquisition price or as-is value. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached breakdown of renovation and cost spent. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Since this is being considered a cash-out (due to rehab work being completed by the Borrower), instead of a delayed purchase, we&#XXXX;re requesting the original source of funds for the original purchase be waived, since that is not a requirement for a cash out transaction.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing source of funds for the original purchase. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver must be granted by Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX verified reserves, experienced investor, 0x30x99 mortgage history** | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159520 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153417 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153417 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | Assets were required in the amount of $XXXX ($XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX (XXXX checking $XXXX + XXXX savings $XXXX) resulting in short funds to close of $XXXX and short reserves of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached bank statement with 401K for reserves.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> On the VOD (see attached) the available balance is showing $XXXX toward the bottom - see page XXXX. That is for cash to close. The 401k statement shows reserves. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Fidelity statement previously provided. There is still a $XXXX reserve shortage and evidence funds to close were liquidated. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153417 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate verifying the subject is not in a flood zone could not be located within the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached - Zone X** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153417 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153416 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153416 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153416 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155627 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Per XXXX 1343.011(C)(2)(b), loan amounts less than $XXXX (XXXX-XXXX units), prepayment penalties not allowed. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Our documents set the source law as XXXX and we are exempt from PPP restrictions. Please waive.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The property is located in XXXX and the PPP does apply; however, the grade is an EV2. (Acknowledged)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2155627 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is missing the certificate of good standing for the borrowing entity known as XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155627 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The loan file closed with a purchase price of $XXXX and a loan amount of $XXXX which equates to an XXXX% LTV, the maximum LTV per guidelines on a purchase transaction, with a DSCR over XXXX and a FICO above XXXX is XXXX% | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached exception approved by investor.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155627 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144015 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144015 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144015 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143114 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2143114 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal for the subject property located at XXXX reflects an unfinished bathroom. The photo shows that the toilet is not installed. Further, the water was not on at time of inspection. The appraisal for the subject property located at XXXX reflects observed damages in need to repair. The photo reflects a damaged airduct. Evidence that these issues have been addressed is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updates on both properties<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Pic of toilet installed** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing re-inspection of XXXX reflecting toilet installation and water turned on. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143114 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154898 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154898 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154898 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129370 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129370 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129370 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152614 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152614 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152614 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137449 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137449 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Original LTV was calculated using the higher of the appraised value vs Cost basis/Purchase price and should be lower of the Cost basis of $XXXX. Using the lower cost basis, the calculated LTV was XXXX% and exceeds the maximum LTV allowable of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LTV is XXXX% where as the LTC is over XXXX%. Guides state XXXX is not applicable although may be overlaid in evaluating within a proposed transaction. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received does not cure defect. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137449 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2143113 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143113 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143113 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144016 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144016 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144016 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129343 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129343 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129343 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144032 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144032 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is missing the Operating Agreement for the borrowing entity known as XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Operating Agreement** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144032 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144007 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144007 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144007 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129381 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129381 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129381 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144017 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144017 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144017 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143109 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower signed the Note on XX/XX/XXXX but the notary stated that the borrower appeared before them a day prior on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> MTG and Note updated** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143109 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The borrower signed the mortgage and the witness on XX/XX/XXXX but the notary stated that the borrower appeared before them a day prior on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> MTG and Note updated** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143109 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2143109 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129351 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129351 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129351 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143112 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2143112 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI AOP Confirmation** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143112 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a Desk Review dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152617 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152617 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152617 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143110 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143110 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2143110 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152622 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152622 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152622 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144033 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144033 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144033 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144602 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144602 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented guidelines. Lease agreement is required but missing from the loan file. The loan file contains an expired lease with no month-to-month or holdover clause to extend automatically. The qualifying rent for the subject transaction was the amount per the lease and the final HUD-XXXX settlement statement reflects that the lease is being transferred to the borrower at closing. A copy of the new lease or extension of the expired lease is required. (Void) | Void |  |  |  | Purchase; qualifies using market rent. XXXX/Experienced investor. |  | 1 | 1 | 1 | 1 |
| XXXX | 2144602 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144034 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144034 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144034 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144042 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144042 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144042 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144018 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144018 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144018 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144011 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower did not date the signature on the Security Instrument. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> dated MTG** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144011 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144011 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144010 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144010 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. The loan file did not contain evidence that the hazard policy in file included All Perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AOP HOI Confirmation** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144010 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144030 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144030 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144030 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129389 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129389 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129389 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152613 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152613 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152613 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152619 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152619 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152619 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154891 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154891 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> confirmation from HOI agent** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154891 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144024 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144024 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file contains a background check with results of XXXX possible criminal arrests for the borrower, and no dates or offense outcomes. The guidelines have specific requirements regarding criminal activities which define the transaction as eligible or ineligible. Please provide detailed documentation reflecting the dates, offenses, and if the events pertain to the borrower in order to determine adherence to the guidelines and loan eligibility. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144024 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144023 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144023 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144023 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144019 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144019 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144019 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144053 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144053 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject property is an investment property and lease was provided. The investor guidelines required a Property Management Questionnaire by either a professional property management company or a member of the borrowing entity if subject is self managed. Required document was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PMQ** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144053 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144020 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144020 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144020 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144048 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144048 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144048 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144049 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144049 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144049 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144026 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2144026 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower indicates Resident Alien status, however, the resident alien card in the loan file expired XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Extension** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2144026 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2144027 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144027 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144027 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144055 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144055 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144055 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144035 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144035 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144035 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144025 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. Title reflects current Vested Interest as XXXX and XXXX where as the Security Instrument reflects XXXX. There is no evidence of a transfer deed in the loan file for the change. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX and AO for HighAlt with XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144025 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. Perils not reflected. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AOP confirmation from HOI agent** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144025 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144012 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144012 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The criminal section of the XXXX for the co-borrower reflects an offense for smuggling of persons XX/XX/XXXX with a sentence date of XX/XX/XXXX. The file did not contain an explanation of the offense details, the severity or current status of the sentence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144012 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154892 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: Occupancy certification/affidavit not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Loan Agreement pg. XXXX section XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Loan Agreement has been provided; please provide the Occupancy Affidavit for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154892 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154892 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144050 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: page XXXX of XXXX missing from Deed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> full mortgage is the first doc** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144050 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144050 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144052 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144052 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144052 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144056 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Notary Sign page is missing a completed Notary Date for member XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not sure if this was saying the Note or Loan Agreement was missing the date but both of these are complete** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144056 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144056 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144044 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144044 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144044 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144037 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. Under the state of XXXX a loan secured by a single family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2144037 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144037 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144029 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan agreement** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144029 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the following required documentation: Guaranty Agreement, Business Purpose XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX and loan agreement** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144029 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144058 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144058 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144058 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144043 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144043 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144043 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144040 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144040 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144040 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144051 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The loan agreement is missing page XXXX of the document | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> full loan agreement** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144051 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144051 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152618 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Deed is missing page XXXX of the document. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> full mortgage is the first doc** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2152618 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. The loan has a XXXX% interest rate and the state only allows for XXXX%. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2152618 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152618 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144004 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144004 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144004 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144008 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144008 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144008 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144005 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144005 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144005 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144038 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144038 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144038 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154894 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154894 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> confirmation from HOI agent** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154894 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144006 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144006 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144006 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal to support the origination appraised value. The loan file did not contain a CDA, FIeld Review, or 2nd Appraisal to support the origination appraised value. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144045 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144045 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144045 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154896 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page XXXX of XXXX is missing from the loan file. In addition, page XXXX or XXXX is missing the execution date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Pg XXXX is misnumbered and says XXXX of XXXX instead of XXXX or XXXX. All signatures and dates are present** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154896 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154896 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144009 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144009 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 theappraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144057 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144057 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144057 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152615 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152615 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152615 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144031 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144031 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144031 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144021 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX-XXXX Family rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage. Don&#XXXX;t think I&#XXXX;ve ever seen XXXX-XXXX family rider** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. The Mortgage provided contains verbiage within the document stating that upon default the lender will collect and retain the rents; this is acceptable in lieu of a XXXX-XXXX family rider. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144021 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144021 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144046 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144046 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144046 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144041 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144041 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144041 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144059 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144059 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144059 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144047 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX-XXXX Family Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Another one where I&#XXXX;m not sure what the XXXX-XXXX family rider is but attached is the mortgage where PUD riders normally are** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. The Mortgage provided contains verbiage within the document stating that upon default the lender will collect and retain the rents; this is acceptable in lieu of a XXXX-XXXX family rider. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144047 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AOP confirmation from HOI agent** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144047 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154897 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium Rider is missing the date at the top of the last page. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Recorded mtg with dates on rider** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154897 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154897 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144611 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144611 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144611 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144606 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144606 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144606 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144603 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144603 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144603 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144609 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144609 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144609 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144600 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144600 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144600 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144610 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2144610 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144610 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144616 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144616 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144616 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144612 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144612 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144612 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144617 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144617 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144617 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144604 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144604 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144604 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144607 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144607 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144607 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144605 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144605 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144605 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144620 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144620 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144620 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144614 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144614 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144614 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144608 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144608 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144608 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144622 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144622 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144622 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152620 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: The 1st page of the Non-Occupancy Investment property affidavit was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review section 22 of attached loan agreement.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152620 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152620 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152621 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152621 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152621 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144621 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144621 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144621 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154893 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154893 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The appraisal was made 'Subject To" smoke detectors being installed in each bedroom and the main living area and the basement being inspected by a qualified professional due to water in the basement. XXXX noted that these issues were health and safety issues. A 1004d was provided and supported the smoke detectors had been installed. The XXXXd did not indicate that an inspection had been completed for the water in the basement and the resolution for this. Updated 1004d is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Basement pics showing no water** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154893 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144619 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144619 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144619 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144618 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144618 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144618 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1914005 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML due to the following: There is no evidence the borrower received the appraisal at least XXXX business days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan exceeded the average prime offer rate APR threshold. (XXXX SB XXXX, §3(a)(7)(F)(ii)). The loan is a first lien and the greater of the disclosed APR and the calculated APR, exceeds the Average Prime Offer Rate (XXXX%) by XXXX% or more. The loan is a non-compliant HPML due to the following: There is no evidence the borrower received the appraisal at least XXXX business days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Abstract / Title Search Fee $XXXX, Attorney's Fee (Closing Agent Only) $XXXX, Closing Protection Letter Fee $XXXX, XXXX Fee $XXXX, Funding, Wire, or Disbursement Fee $XXXX, Lender's Title Insurance Policy $XXXX, Settlement or Closing Fee $XXXX, Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely . | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial disclosure signed - attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial disclosure sent on XXXX/XXXX - Attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points - Loan Discount Fee $XXXX, Underwriting Fee $XXXX, Appraisal Fee $XXXX, Appraisal Review Fee $XXXX, Credit Report Fee $XXXX. A cost to cure in the amount of $$XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial disclosure signed - attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit report is missing from the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | A VOE is required within XXXX Days of the Note Date. The VOE in file to confirm the borrower's self-employed business, XXXX, is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 1914005 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraisal value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151780 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151780 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151780 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155629 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155629 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155629 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain a secondary valuation product for any of the five included properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached XXXX reports for all properties in this portfolio.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided for all properties and supports each property appraised value. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155630 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX does not allow a prepayment term for XXXX-XXXX units with a loan amount less than $XXXX, the loan has a XXXX month prepayment term and loan amount of $XXXX. The loan fails the prepayment test by XXXX months. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Our documents set the source law as XXXX and we are exempt from prepayment penalty restrictions. Please waive.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The property is located in XXXX and the PPP does apply; however, the grade is an EV2. (Acknowledged)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2155630 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The guidelines require that C4 condition for Rental loans are only eligible for Purchase, Rate & Term, and Delayed Purchase transactions. According to the subject transaction HUD-XXXX settlement statement the subject transaction was a cash-out refinance with the borrower receiving $XXXX in cash and a mortgage was paid off at closing. The loan file also contained the HUD-XXXX settlement statement from the purchase of the property in XXXX. As the subject transaction is a cash-out refinance with a C4 condition, the transaction is not allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PPF guidelines state that a C4 property is eligible for a cash-out refinance, including a DSCR loan. This was effective XX/XX/XXXX - this loan closed on XX/XX/XXXX. Please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception approved by investor.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> C4 is not eligible on a cash-out refinance, which this is. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155630 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The credit report reflects the Equifax Credit Score is frozen. Guidelines require that the borrower/sponsor must contact the subject credit bureau to unfreeze and pull a new tri-merge credit report when all bureaus are unfrozen. The file is missing the updated credit report, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached credit report.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155630 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file contains a lease with the address of XXXX; however, the subject address is XXXX. Provide lease with corrected address. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155630 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is missing from the loan file. The loan file contains no evidence of title insurance commitment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155630 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151781 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX does not allow a prepayment term for XXXX units with a loan amount less than $XXXX, the loan has a XXXX month prepayment term and loan amount of $XXXX. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2151781 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The credit report, dated XX/XX/XXXX,reflects Borrower's Equifax Credit Score is frozen. Guidelines require that the borrower/sponsor must contact the subject credit bureau to unfreeze and pull a new tri-merge credit report when all bureaus are unfrozen. The file is missing the updated credit report, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached credit report with all three scores available. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151781 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153413 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153413 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file, including XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached appraisal** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Appraisal provided. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153413 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The vesting XXXX (XXXX) contains XXXX members. The Resolution is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX does have two members, however, one has XXXX% interest and therefore is not required to sign. OA is attached. Please clear.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This condition was not required for XXXX, and this is the same borrower, same entity. Please waive.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Resolution is required for XXXX members. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This condition was cited on the prefund loan and is still open on prefund. Please provide. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153413 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | This Loan file is missing the CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached XXXXn report - grade A.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports original appraised value. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153412 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Per XXXX 1343.011(C)(2)(b), loan amounts less than $XXXX (XXXX-XXXX units), prepayment penalties not allowed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153412 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153412 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2151783 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is incomplete. Page XXXX of the Final Settlement Statement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2151783 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 5 is cut off. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151783 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The file is missing the appraisal for XXXX-XXXX, XXXX, XXXX XXXX to include market rent to accurately determine DSCR. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151783 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | The file contains only pages XXXX and XXXX of the final HUD for XXXX-XXXX, XXXX, XXXX XXXX. The file does contain a page XXXX; however, reflects loan amount of $XXXX when actual loan amount is $XXXX. Please provide all pages of final executed HUD to include payoff(s) and required escrows. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151783 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy with sufficient dwelling coverage on XXXX-XXXX, XXXX, XXXX XXXX to include all perils, mortgagee clause, etc. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached email from insurance agent confirming all perils along with the policy document she is referencing. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils is not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151783 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDAs which support all properties. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155628 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed. The Ethnicity and Race section were not completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155628 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an individual. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155628 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The appraisal transfer letter must certify and warrant appraisal complied with AIR (Appraisal Independence Requirements) and is missing from the letter. Noted, finding made on prefund loan review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155628 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Purchase transaction with XXXX% LTV, XXXX, DSCR XXXX. Per the matrix, the max LTV is XXXX%. The LTV exceeds the program guidelines. Noted, finding made on prefund loan review. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached GL approval.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155628 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151785 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2151785 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject closed in the name of XXXX. The investor guidelines required a current Certificate of Good Standing from a state agency website. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151785 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151782 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151782 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | The borrower is required to evidence verified assets totaling $XXXX ($XXXX funds to close plus XXXX months reserves on the subject of $XXXX). The loan file contains a bank statement with XXXX #XXXX ending XX/XX/XXXX with an available balance of $XXXX; however, the account holder is XXXX which is not the borrowing entity. The loan file does not contain a copy of the entity operating agreement to evidence that the guarantor has access to these funds. Without the use of these funds or evidence of valid assets, the borrower is short funds for closing and reserves. The file does not contain authorization for funds access from the business account. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached entity docs for XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151782 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The XXXX background report on the guarantor reflects a civil judgment filed on XX/XX/XXXX in the amount of $XXXX which is not documented as satisfied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lien release - borrower paid the judgement in full. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151782 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153414 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153414 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file does not contain a copy of the appraisal and market rent as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153414 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | The file does not contain authorization for funds access from business account. The borrower is required to evidence sufficient funds for XXXX months reserves totaling $XXXX along with any funds due at closing. The loan file contains a bank statement reflecting available funds in the amount of $XXXX; however, the account holder is "XXXX" the loan file does not contain a copy of the entity operating agreement to evidence that the guarantor has access to these funds. Without the use of these funds or evidence of valid assets, the borrower is short funds for closing and reserves. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached entity docs for XXXX. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153414 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Adverse Credit | XXXX | Adverse credit information, such as late payments, lawsuits, or judgements, were not adequately explained by the applicant. Explanation and evidence of satisfaction of judgment per the background report. The background report reflects a civil judgment filed on XX/XX/XXXX in the amount of $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lien release showing this was paid in full. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2153414 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153415 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153415 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | The borrower is required to evidence verified assets totaling $XXXX (XXXX months reserves on the subject). The loan file contains a bank statement with XXXX #XXXX ending XX/XX/XXXX with an available balance of $XXXX; however, the account holder is XXXX which is not the borrowing entity. The loan file does not contain a copy of the entity operating agreement to evidence that the guarantor has access to these funds. Without the use of these funds or evidence of valid assets, the borrower is short reserves. The file does not contain authorization for funds access from the business account. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached entity docs for XXXX showing that borrower is the sole member.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153415 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The XXXX background report on the guarantor reflects a civil judgment filed on XX/XX/XXXX in the amount of $XXXX which is not documented as satisfied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lien release showing judgement has been paid in full.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153415 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153415 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155635 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155635 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Inaccurate | XXXX | The Application in the loan file reflects borrowing entity as XXXX; however, review of the note/mortgage and loan documents reflect the borrower as an individual. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower is sole member of the entity so no other party would have been involved in the transaction. Borrower decided to do the loan in his personal name. All other necessary docs (background, credit, OFAC, etc) are included in the file. Please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please update the application. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155635 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151786 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151786 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151786 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159521 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159521 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159521 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151787 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151787 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151787 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151789 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151789 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151789 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151784 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151784 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Please have the Borrower's name changed on the Appraisal to XXXX. He is keeping the property in his name solely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrowers passed the OFAC screening process. Evidence of OFAC is missing for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was keeping the property in his personal name, not an entity.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Background check is missing for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower is keeping property in his personal name.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file did not contain a copy of the certificate of good standing, Certificate of formation, EIN and Operating agreement as required for the entity known as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was not going to put the property into an entity but keep it in his personal name.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Inaccurate | XXXX | Please update the application to exclude XXXX. XXXX is obtaining the loan solely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Incorrect | XXXX | The title commitment shows incorrect data. The title commitment reflects an insufficient insurance coverage amount of $XXXX. The subject loan amount is proposed to be $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See updated title commitment with $XXXX amount.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | There are additional findings regarding the title commitment. The title reflects the current vesting as XXXX and no mention of the vesting to be changed to the entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was going to keep property in his personal name. Please waive.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151784 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151788 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151788 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151788 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155634 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155634 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155634 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject property condition is C4 per the appraisal. Guidelines allow C4 condition but only for a purchase, rate and term, or delayed purchase transaction. The subject transaction is a cash-out refinance which does not meet the requirement. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached for approval from PPF head of UW. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception approval from investor** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155634 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, or 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155633 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155633 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The guidelines require that C4 condition for Rental loans are only eligible for Purchase, Rate & Term, and Delayed Purchase transactions. According to the subject transaction HUD-XXXX settlement statement the subject transaction was a cash-out refinance with the borrower receiving $XXXX in cash and a mortgage was paid off at closing. As the subject transaction is a cash-out refinance with a C4 condition, the transaction is not allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PPF guidelines state that a C4 property is eligible for a cash-out refinance, including a DSCR loan. This was effective XX/XX/XXXX - this loan closed on XX/XX/XXXX. Please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached exception approval from PPF UW that includes compensating factors.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached investor approval.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Page XXXX of the new guide does not allow C4 for rental cash-out refinance. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155633 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153418 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153418 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Per XXXX 1343.011(C)(2)(b), loan amounts less than $XXXX (XXXX-XXXX units), prepayment penalties not allowed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153418 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Guidelines require a standard rating of the subject property (XXXX) be reflected on the appraisal. The appraisal reflects rating as average; therefore, unable to determine if rating acceptable for subject transaction which allows C1-C3 for cash-out refinances. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See grid on page XXXX which shows subject property as C3 condition. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153418 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject is a cash out refinance with an LTV of XXXX%. The investor guidelines required all cash out refinances with LTV greater than XXXX% to be enrolled in XXXX Payments. The Automatic Payment Enrollment Form was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided an ACH form prior to close and also signed and filled out an ACH authorization form for automated payments. Both are attached. Please clear.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153418 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151791 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2151791 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151791 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159522 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159522 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159522 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155632 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155632 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject transaction was a cash out refinance. The investor guidelines required confirmation from the borrower that the funds are for business use with the documentation reason(s) for cash out via either a detailed completion of the Loan Application cash out use of proceeds section or a detailed borrower executed letter of explanation. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower provided a lease for the property since he maintains it as a rental. This lease terminates in Aug of XXXX. Please clear.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the requested cash-out LOE for business purpose. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155632 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The documentation provided for the hazard insurance was a Quote only. Proof of the actual policy was not provdied as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached dec page for policy.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155632 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155631 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155631 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155631 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151790 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151790 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached email from insurance agent stating all perils is included.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151790 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159523 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) / Legal Addendum(s) are missing:XXXX-4Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159523 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD to confirm correct loan amount, mortgage payoff, escrows collected, and sufficient cash-out to support required reserves. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached final settlement statement.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159523 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The actual rents per the lease exceed the third-party market rent >XXXX%. The XXXX allowable rents used for qualifying are XXXX% of the market rents, reflected on third-party market rental data. The borrower/sponsor must provide a copy of the fully executed current lease, and XXXX most recent months cancelled checks or bank statements evidencing receipt of XXXX months rental income received prior to the application date. The loan file contained a copy of the lease; however, evidence of rent receipt was not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached rent receipts for March and April** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159523 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159524 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159524 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The max LTV on a purchase with a FICO of XXXX is XXXX%. The subject loan has an LTV of XXXX%, which exceeds the max of XXXX% for the subject transaction. Noted, finding was also made on the prefund loan review. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached GL exception approved by investor.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX DSCR. XXXX months of reserves.. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159524 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158243 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> settlement statement** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158243 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The original appraisal is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> appraisal** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158243 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The loan file does not contain asset documentation to support assets to cover funds to close plus reserves of approximately $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> assets<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> additional assets<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> The currency is in USD. Is a full translation needed? <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> translated assets** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Reserve shortage of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The account is foreign. Language and currency translation is required. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Only the verbiage below each transaction. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158243 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file is missing a credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158243 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Subject loan is a no cash-out refinance. The loan file is missing the final HUD to verify funds required for closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> settlement statement** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158243 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The loan file is missing lease agreements along with Garage Rental Agreements for units A, B and C. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> leases<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> rentals for units A and B** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing rentals for units A and B. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158243 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Ineligible Property Type - 5+ Units | XXXX | The subject property is XXXX units. Properties with XXXX or more units must be approved to meet the XXXX overlay. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please confirm what is needed to clear condition<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Email showing investor approval of subject property** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approval. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2158243 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a commercial appraisal review dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116187 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2116187 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116187 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | XXXX | The XXXX Consumer Disclosure (XXXX-Day Letter) is Missing. Required to be provided in connection with a XXXX. XXXX Constitution - Home Equity Loan Provisions XXXX. Const. art. XVI, 50(a)(6)(M)(i), 50(g); XXXX XXXX. Admin. Code XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX day letter** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Credit Repot Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2116187 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. XXXX Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX 2 (01/XXXX/XXXX XXXX:XXPM)<br> LE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Guidelines require a Gap Credit Report within XXXX days of the Note date. Credit report in file is dated XX/XX/XXXX and the Note date is XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated Credit Report** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2116187 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158773 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the note has been signed as an individual (XXXX) instead of as entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158773 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The signature on the mortgage, XXXX-XXXX rider, PPP rider and title insurance identification rider has been signed as an individual (XXXX) instead of as entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED AOC** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158773 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | The loan file contains an exception to allow a credit report to be aged to XXXX days, guidelines state the XXXX is XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR >XXXX, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2158773 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158772 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Note and Note addendum has been executed as only an individual (XXXX) instead of as the entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158772 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The signature on the Mortgage/Deed of Trust, XXXX-XXXX Rider, Title Insurance Identification Rider, and PPP Rider has been executed as only an individual (XXXX) instead of as the entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED AOC** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158772 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | The loan file contains an exception to allow a credit report to be aged to XXXX days, guidelines state the XXXX is XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons reserves, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2158772 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156412 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The Note and Note XXXX has been signed as only individual (XXXX) rather than as the entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156412 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The XXXX, XXXX-XXXX Rider, Title Insurance Identification Rider, and PPP Rider has been signed as only individual (XXXX rather than as the entity (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED AOC** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156412 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | The loan file contains an exception to allow a credit report to be aged to XXXX days, guidelines state the XXXX is XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons reserves, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2156412 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153495 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153495 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153495 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2155480 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155480 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | DSCR - Missing background check. Missing background check per guidelines. The loan file is missing the background check, to include XXXX/judgment, bankruptcy, experience, and foreclosure search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Fraud Report** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155480 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file contained an investor exception to allow a XXXX+ unit property. XXXX non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating factors: XXXX. XXXX% LTV. XXXX months of reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2155480 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Inaccurate | XXXX | Final Application - Inaccurate. The Final Application does not accurately reflect the verified information as in the loan file. Section 3 of the XXXX for borrower XXXX reflects the subject property with XXXX mortgages on the subject property. The application must reflect accurate information to include the mortgage(s) associated with the subject property. The subject property was owned free and clear and a revised XXXX for borrower XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> corrected XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Corrected XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Liabilities section 2 is not supposed to include mortgages. Mortgages should be listed in the REO section matching mortgages to properties owned. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Application still reflects an exiting mortgage on the subject at supplication of $XXXX, which is not accurate. The subject was free and clear. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155480 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2137033 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Rate Lock Extension. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached COC disclosure package and the corresponding disclosure tracking,** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2137033 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | An exception was requested for housing history less than required. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached exception for this condition.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating factors: XXXX, LTV XXXX%, DTI XXXX%, Residual income $XXXX/month. |  | 3 | 2 | 3 | 2 |
| XXXX | 2137033 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. Per guides, minimum square footage is XXXX square feet. The subject unit is XXXX Square feet. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached is the exception granted by the investor. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor approved to waive based on compensating factors. (Waived)** |  | Compensating factors: XXXX, LTV XXXX%, DTI XXXX%, Residual income $XXXX/month. |  | 3 | 2 | 3 | 2 |
| XXXX | 2137033 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158771 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158771 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2158771 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156411 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156411 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The borrowing entity consists of XXXX members, XXXX with XXXX% membership and XXXX with XXXX% membership which has a sole member XXXX. Guidelines require all guarantors must provide a limited application, photo XXXX, background report and credit report with guarantor meeting minimum credit score requirements. The loan file was missing the limited application, photo XXXX, background report and credit report for the guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156411 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "vesting entity to change its management structure after loan submission". Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Comp Factors - XXXX and XXXX DSCR |  | 2 | 2 | 3 | 2 |
| XXXX | 2156411 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | XXXX provided for "XXXX% co-insurance for each of the subject's XXXX hazard insurance policies". Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Comp Factors - XXXX and XXXX DSCR |  | 2 | 2 | 3 | 2 |
| XXXX | 2156411 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156410 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156410 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a XXXX search of the XXXX and Entity. The required XXXX searches for both the XXXX and Entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156410 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to accept a private party VOM without supporting XXXX months of timely payments. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).** |  | Compensating Factors: XXXX+ year credit history, Experienced Investor owning > XXXX rentals |  | 2 | 2 | 3 | 2 |
| XXXX | 2156410 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153536 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153536 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153536 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2139929 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B to the Loan Agreement was not filled out. This includes Entity name, Lender name, Entity loan section, and missing signatures. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139929 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2139929 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The Note, XXXX, and Loan Agreement do not disclose the Members title with the Entity on the signature line. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> States BY on signature line** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. (Acknowledged)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2139929 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | Page one of the Loan Agreement lists the borrower as an individual. It should list the entity name | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139929 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The XXXX section was inconsistent with the Security Instrument signatures. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Mortgage** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139929 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | Name Incomplete. The Mortgage and all riders do not disclose the Members Title with the Entity on the signature lines. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> States BY on signature line.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. (Acknowledged)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2139929 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139929 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139930 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2139930 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2139930 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153534 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153534 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to request a XXXX-day extension for a expired Credit Report (expired XX/XX/XXXX and extended to EOD XX/XX/XXXX). XXXX state credit reports are good for only XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR greater than XXXX, LTV is XXXX% less than max LTV, borrower has lived in primary for XXXX plus years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2153534 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133206 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2133206 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow XXXX% LTV with a XXXX. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating factors: XXXX XXXX reserves, experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2133206 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 did not support original appraised value therefore a field review was provided and supported. As this was a 2nd valuation product, per the rating agencies this is graded an EV2. | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153494 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153494 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153494 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153494 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2137494 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2137494 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the vested entity guidelines the underwriter must perform a google search of the borrower and entity (XXXX). The required google searches for the borrower and vested entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> google search uploaded** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2137494 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the vested entity guidelines the underwriter must perform a google search of the borrower and entity (XXXX). The required google searches for the borrower and vested entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> google search uploaded** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2137494 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow XXXX's membership interest in vesting entity to be amended from XXXX% to XXXX% after the application date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Excess reserves greater than XXXX months |  | 2 | 2 | 3 | 2 |
| XXXX | 2137494 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136060 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136060 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2136060 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of HOI for XXXXXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2136060 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing proof that XXXX iscurrently active. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2136060 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a non-arms length transaction on a XXXX XXXX bank statement loan. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating Factors: XXXX, Low DTI |  | 2 | 2 | 3 | 2 |
| XXXX | 2136060 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a rural property. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating Factors: XXXX, Low DTI |  | 2 | 2 | 3 | 2 |
| XXXX | 2136060 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the sellers privately held mortgage note which is needed to validate the mortgage history provided. Much like verifying rent with a private landlord, which requires a lease, a copy of the note is needed for the subject transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached exception and VOM along with payment receipts.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: XXXX, Low DTI |  | 3 | 2 | 3 | 2 |
| XXXX | 2136060 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the sellers privately held mortgage note which is needed to validate the mortgage history provided. Much like verifying rent with a private landlord, which requires a lease, a copy of the note is needed for the subject transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached exception and VOM along with payment receipts.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: XXXX, Low DTI |  | 3 | 2 | 3 | 2 |
| XXXX | 2136060 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156409 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156409 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156409 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158720 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Late | XXXX | Unable to determine if the Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was disclosed within XXXX days of the application date. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158720 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158720 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | Unable to determine if the initial LE issued on XX/XX/XXXX was within XXXX business days of application date. The application date is XX/XX/XXXX, which is after the initial LE was issued. Unable to determine the exact application date due to this discrepancy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158720 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158720 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156408 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156408 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a XXXX search of the XXXX and Entity. The required XXXX searches for both the XXXX and Entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156408 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to accept a private party VOM without supporting XXXX months of timely payments. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ year credit history, Experienced Investor owning > XXXX rentals |  | 2 | 2 | 3 | 2 |
| XXXX | 2156408 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133205 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2133205 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing a background report for the borrowing entity to include a judgment a lien search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2133205 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "The entity documentation to be allowed to be signed after the initial application ." Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors XXXX months reserves DSCR 1.XXXX XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2133205 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156407 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156407 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of Borrower and Entity. The loan file is missing the required XXXX searches for Borrower and Entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX seaech** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156407 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158695 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158695 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | The loan file contains a lender exception for the Credit Report being over XXXX days at time of closing. XXXX non-material based on compensating factors. (Waived) | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors** |  | Compensating factors: FICO of XXXX, experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2158695 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144875 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2144875 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow for ltv XXXX% with a fico of XXXX minimum needs to be XXXX ." Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors dscr XXXX reserves over XXXX months payment history on cbr |  | 2 | 2 | 2 | 2 |
| XXXX | 2144875 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2136065 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136065 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136065 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153533 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Note was executed by an entity, but the entity documents are not executed. Unable to determine if signatures on note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED SIGNED OA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153533 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name on the Loan Agreement does not include their title or 'By' bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153533 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name on the Note and PPP does not include their title, however the entity name and 'By' is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153533 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage was executed by an entity, but the entity documents are not executed. Unable to determine if signatures on mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED SIGNED OA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153533 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name on the Mortgage and XXXX-XXXX Rider does not include their title, however the entity name and 'By' is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153533 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject loan was delivered a XXXX% LTV cash out refinance with a qualifying XXXX. Lender guidelines require an Automatic Payment Authorization (ACH) Form to be included in the loan file for a cashout refinance transaction with a qualifying score of less than XXXX, and the loan file did not contain the required ACH form filled out and signed/dated by borrower as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED ACH** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153533 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Upon further review, a CDA is required for cash-out refinance transactions. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2130392 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2130392 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2130392 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2136071 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2136071 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: XXXX has not been signed by the borrower as well as the date of 'legally bound' has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2136071 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file contained a driver's license; however, did not contain any of the other required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2136071 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow no tradelines for the guarantor . Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: dscr XXXX experienced investor ltv XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2136071 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 apprised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144881 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2144881 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2144881 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158719 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158719 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158719 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158719 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153443 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153443 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153443 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158718 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158718 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158718 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144892 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2144892 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow borrower to proceed with XXXX months of reserves less than the XXXX months required. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Favorable DSCR XXXX, XXXX+ year credit history |  | 2 | 2 | 2 | 2 |
| XXXX | 2144892 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144887 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: XXXX has not been signed by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED ..** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144887 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2144887 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX% LTV with a XXXX-fico score. XXXX guidelines required XXXX Fico score required to do a XXXX% LTV purchase XXXX product. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves $XXXX DSCR greater than XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2144887 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the fact the borrower rents out his multi-family primary home to count as his investor experience. XXXX guidelines state that borrower must have owned an investment property for at least XXXX months in the past XXXX years. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves $XXXX DSCR greater than XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2144887 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136075 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136075 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2136075 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following are missing for XXXX XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization for a credit report and background report XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached Guarantor package for XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2136075 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a condo unitless than XXXX. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2136075 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153493 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153493 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report XXXX) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX (XXXX% ownership of LLC). There is a correction to the ownership of XXXX to XXXX% in the loan file BUT the executed resolution reflects XXXX% ownership to each. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153493 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158769 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158769 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan filecontains a lender exception to allow exception to finance a property located in a rural market area. XXXX guidelines state no rural properties. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Borrower has DTI XXXX percent less than maximum DTI, borrower has lived in primary for XXXX plus years, fico score is XXXX points greter than minimum fico score. Borrowers fico score XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2158769 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153492 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153492 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors arerequired to provide a limited application which includes the name, address,date of birth, Social Security Number, and citizenship, authorization for acredit report and background report, with credit scores meeting the minimumqualifying score, and Identification documentation such as a driver's XXXX passport for all guarantors. The loan file did not contain any of therequired documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153492 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> RCE and EOI uploaded** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153492 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153491 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153491 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Cash-Out Amount | XXXX | The subject loan exceeds the Program Parameters for cash out amount. XXXX provided for borrower receiving cash-out in the amount of $XXXX, which exceeds the maximum allowed amount of cash-out of $XXXX due to credit score. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp Factors - Experienced Long-Term Investor and 0x30x12 on all mortgages. |  | 2 | 2 | 2 | 2 |
| XXXX | 2153491 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153490 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153490 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow XXXX% LTV. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2153490 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158235 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158235 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158235 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141182 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141182 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141182 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156405 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156405 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156405 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of the XXXX and Entity. The loan file is missing the required XXXX searches for XXXX and Entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing search on XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156405 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136074 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2136074 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2136074 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153444 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153444 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153444 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136080 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2136080 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2136080 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2136080 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156404 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Lender executed Loan Agreement has not been provided for review. (Acknowledged)** |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156404 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. Further, the properties located at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were recently refinanced; however, evidence of the new PITIA is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there are properties that are cross collaterized. A. XXXX XXXX (PITI from statement is $XXXX) XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached Taxes $XXXX d. XXXX XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Owned Free and Clear REFER TO THE ENCLOSED EMAIL #XXXX- SEE RELEASE C. XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX D. XXXX Briarcliff a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX e. E. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Attached-REFER TO THE ENCLOSED EMAIL #XXXX F. XXXX – Sold XX/XX/XXXX- SEE PROFILE G. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX H. XXXX Ansel. XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX per email: XXXX-Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear Attached is XXXX. XXXX XXXX-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX-Cross-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX XXXX - Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. XXXX. XXXX-XXXX-XXXX provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request, you would not have done any of these loans if it was not paid off. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. HISTORY OF XXXX Lien Loan #XXXX (Loan Statement Attached) XX/XX/XXXX – XXXX Loan Docs Attached - Original Mortgage Docs Attached - Collateral is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from Loan (See Attached Releases from their county - This leaves XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - Loan was modified to change to change the terms after the releases (See attached Modification) XX/XX/XXXX - XXXX Property Released which was sold (Release Attached) - This leaves XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX was released (see attached Release) - This leaves XXXX, XXXX, front as the only properties on this loan.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156404 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the most current leases for XXXX. Leases required are as follows (per the management rent roll provided). C01- XXXX $XXXX, C-XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, C-XXXX XXXX $XXXX, (C-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, (D-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX. The loan file is missing the most current leases for the following properties: XXXX XXXX, XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, and XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156404 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156403 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156403 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state if the borrower is living rent free then XXXX months most recent verification of rent paid to the borrower of $XXXX is required; which could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156403 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156402 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156402 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. Further, the properties located at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were recently refinanced; however, evidence of the new PITIA is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there are properties that are cross collaterized. A. XXXX XXXX (PITI from statement is $XXXX) XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached Taxes $XXXX d. XXXX XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Owned Free and Clear REFER TO THE ENCLOSED EMAIL #XXXX- SEE RELEASE C. XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX D. XXXX Briarcliff a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX e. E. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Attached-REFER TO THE ENCLOSED EMAIL #XXXX F. XXXX – Sold XX/XX/XXXX- SEE PROFILE G. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX H. XXXX Ansel. XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX per email: XXXX-Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear Attached is XXXX. XXXX XXXX-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX-Cross-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX XXXX - Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. XXXX. XXXX-XXXX-XXXX provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request, you would not have done any of these loans if it was not paid off. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. HISTORY OF XXXX Lien Loan #XXXX (Loan Statement Attached) XX/XX/XXXX – XXXX Loan Docs Attached - Original Mortgage Docs Attached - Collateral is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from Loan (See Attached Releases from their county - This leaves XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - Loan was modified to change to change the terms after the releases (See attached Modification) XX/XX/XXXX - XXXX Property Released which was sold (Release Attached) - This leaves XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX was released (see attached Release) - This leaves XXXX, XXXX, front as the only properties on this loan.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156402 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the most current leases for XXXX. Leases required are as follows (per the management rent roll provided). C01- XXXX $XXXX, C-XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, C-XXXX XXXX $XXXX, (C-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, (D-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX. The loan file is missing the most current leases for the following properties: XXXX XXXX, XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, and XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156402 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156401 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156401 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. Further, the properties located at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were recently refinanced; however, evidence of the new PITIA is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there are properties that are cross collaterized. A. XXXX XXXX (PITI from statement is $XXXX) XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached Taxes $XXXX d. XXXX XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Owned Free and Clear REFER TO THE ENCLOSED EMAIL #XXXX- SEE RELEASE C. XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX D. XXXX Briarcliff a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX e. E. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Attached-REFER TO THE ENCLOSED EMAIL #XXXX F. XXXX – Sold XX/XX/XXXX- SEE PROFILE G. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX H. XXXX Ansel. XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX per email: XXXX-Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear Attached is XXXX. XXXX XXXX-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX-Cross-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX XXXX - Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. XXXX. XXXX-XXXX-XXXX provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request, you would not have done any of these loans if it was not paid off. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. HISTORY OF XXXX Lien Loan #XXXX (Loan Statement Attached) XX/XX/XXXX – XXXX Loan Docs Attached - Original Mortgage Docs Attached - Collateral is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from Loan (See Attached Releases from their county - This leaves XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - Loan was modified to change to change the terms after the releases (See attached Modification) XX/XX/XXXX - XXXX Property Released which was sold (Release Attached) - This leaves XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX was released (see attached Release) - This leaves XXXX, XXXX, front as the only properties on this loan.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156401 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing the most current leases for XXXX. Leases required are as follows (per the management rent roll provided). C01- XXXX $XXXX, C-XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, C-XXXX XXXX $XXXX, (C-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, (D-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX. The loan file is missing the most current leases for the following properties: XXXX XXXX, XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, and XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156401 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153532 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153532 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153532 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153532 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156400 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156400 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156400 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156399 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156399 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. Further, the properties located at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were recently refinanced; however, evidence of the new PITIA is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there are properties that are cross collaterized. A. XXXX XXXX (PITI from statement is $XXXX) XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached Taxes $XXXX d. XXXX XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Owned Free and Clear REFER TO THE ENCLOSED EMAIL #XXXX- SEE RELEASE C. XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX D. XXXX Briarcliff a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX e. E. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Attached-REFER TO THE ENCLOSED EMAIL #XXXX F. XXXX – Sold XX/XX/XXXX- SEE PROFILE G. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX H. XXXX Ansel. XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX per email: XXXX-Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear Attached is XXXX. XXXX XXXX-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX-Cross-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX XXXX - Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. XXXX. XXXX-XXXX-XXXX provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request, you would not have done any of these loans if it was not paid off. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. HISTORY OF XXXX Lien Loan #XXXX (Loan Statement Attached) XX/XX/XXXX – XXXX Loan Docs Attached - Original Mortgage Docs Attached - Collateral is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from Loan (See Attached Releases from their county - This leaves XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - Loan was modified to change to change the terms after the releases (See attached Modification) XX/XX/XXXX - XXXX Property Released which was sold (Release Attached) - This leaves XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX was released (see attached Release) - This leaves XXXX, XXXX, front as the only properties on this loan.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156399 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing the most current leases for XXXX. Leases required are as follows (per the management rent roll provided). C01- XXXX $XXXX, C-XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, C-XXXX XXXX $XXXX, (C-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, (D-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX. The loan file is missing the most current leases for the following properties: XXXX XXXX, XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, and XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156399 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158717 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158717 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158717 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156398 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156398 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. Further, the properties located at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were recently refinanced; however, evidence of the new PITIA is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there are properties that are cross collaterized. A. XXXX XXXX (PITI from statement is $XXXX) XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached Taxes $XXXX d. XXXX XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Owned Free and Clear REFER TO THE ENCLOSED EMAIL #XXXX- SEE RELEASE C. XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX D. XXXX Briarcliff a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX e. E. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Attached-REFER TO THE ENCLOSED EMAIL #XXXX F. XXXX – Sold XX/XX/XXXX- SEE PROFILE G. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX H. XXXX Ansel. XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX per email: XXXX-Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear Attached is XXXX. XXXX XXXX-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX-Cross-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX XXXX - Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. XXXX. XXXX-XXXX-XXXX provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request, you would not have done any of these loans if it was not paid off. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. HISTORY OF XXXX Lien Loan #XXXX (Loan Statement Attached) XX/XX/XXXX – XXXX Loan Docs Attached - Original Mortgage Docs Attached - Collateral is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from Loan (See Attached Releases from their county - This leaves XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - Loan was modified to change to change the terms after the releases (See attached Modification) XX/XX/XXXX - XXXX Property Released which was sold (Release Attached) - This leaves XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX was released (see attached Release) - This leaves XXXX, XXXX, front as the only properties on this loan.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156398 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the most current leases for XXXX. Leases required are as follows (per the management rent roll provided). C01- XXXX $XXXX, C-XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, C-XXXX XXXX $XXXX, (C-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, (D-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX. The loan file is missing the most current leases for the following properties: XXXX XXXX, XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, and XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156398 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156397 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156397 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. Further, the properties located at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were recently refinanced; however, evidence of the new PITIA is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there are properties that are cross collaterized. A. XXXX XXXX (PITI from statement is $XXXX) XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached Taxes $XXXX d. XXXX XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Owned Free and Clear REFER TO THE ENCLOSED EMAIL #XXXX- SEE RELEASE C. XXXX XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX D. XXXX Briarcliff a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX – Attached-REFER TO THE ENCLOSED EMAIL #XXXX e. E. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. MTG Statement – Attached-REFER TO THE ENCLOSED EMAIL #XXXX F. XXXX – Sold XX/XX/XXXX- SEE PROFILE G. XXXX a. Lease – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX H. XXXX Ansel. XXXX – Attached $XXXX b. EOI – Attached $XXXX c. Tax Bill – Attached $XXXX d. XXXX and Clear-REFER TO THE ENCLOSED EMAIL #XXXX per email: XXXX-Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear Attached is XXXX. XXXX XXXX-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX-Cross-collateralized payment history is not acceptable. Provide the monthly Payment amount and Balance. I am confused at this request, I provided the payment history and balances for the lien held against this property by XXXX? There is nothing else to provide other than documentation showing that this property is held on this lien. Please see below for a history of this lien from XXXX and the supporting documents. XXXX. XXXX XXXX - Notation provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. XXXX. XXXX-XXXX-XXXX provided from broker indicated property is Free and Clear, Property profile indicates a lien as of XXXX/XXXX. Provide documentation supporting property is free and clear. The lien you are referencing was paid off as part of this request, you would not have done any of these loans if it was not paid off. We used the cashout that was paid at closing. I am attaching the Payoff Letter and Allocation and you can match that with what was paid at closing. Releases have not hit the county website yet. HISTORY OF XXXX Lien Loan #XXXX (Loan Statement Attached) XX/XX/XXXX – XXXX Loan Docs Attached - Original Mortgage Docs Attached - Collateral is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from Loan (See Attached Releases from their county - This leaves XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - Loan was modified to change to change the terms after the releases (See attached Modification) XX/XX/XXXX - XXXX Property Released which was sold (Release Attached) - This leaves XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX was released (see attached Release) - This leaves XXXX, XXXX, front as the only properties on this loan.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing proof of PITIA for the following undisclosed properties: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The loan file is missing proof of taxes and insurance for XXXX XXXX and XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156397 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing the most current leases for XXXX. Leases required are as follows (per the management rent roll provided). C01- XXXX $XXXX, C-XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, C-XXXX XXXX $XXXX, (C-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX XXXX $XXXX, (D-XXXX VACANT), XXXX $XXXX, XXXX $XXXX, XXXX $$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, D-XXXX $XXXX, D-XXXX $XXXX, XXXX $XXXX. The loan file is missing the most current leases for the following properties: XXXX XXXX, XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, and XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156397 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Aged | XXXX | A VVOE is required within XXXX Business Days of the Note Date. The VVOE in file is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> vvoe** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156397 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153531 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153531 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153531 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153530 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153530 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153530 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Lender exception provided to allow a transferred appraisal greater than the required XXXX days aged. XXXX non material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX DSCR, XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2153530 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2139955 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2139955 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a borrower with a XXXX fico score to finance to XXXX% LTV. XXXX require an LTV greater than XXXX% requires a borrower to have a fico XXXX plus. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address XXXX years, XXXX year credit history, no derogatory credit history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2139955 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153529 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | Pages one and four of the Loan Agreement are missing the Borrower's name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153529 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153529 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153529 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156396 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156396 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note incomplete: The loan agreement pg XXXX was notarized on XX/XX/XXXX while on loan agreement exhibit b was dated on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> corrected XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156396 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The notary date precedes the borrower's execution date. The Mortgage/Deed of Trust and XXXX-XXXX Rider was signed by the borrower on XX/XX/XXXX while the notary has dated XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> mortgage / rider with correction** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156396 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "allow to approved for rents and lives within XXXX miles of subject but rent free and marketing for rent ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | comp factors experienced investor dscr XXXX ltv XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2156396 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158768 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158768 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158768 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158768 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158767 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158767 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Program Parameters - Other. According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158767 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Other. Guideline requirement has not been met. DSCR - Program Parameters - Other. XXXX provided to allow borrower living rent free purchasing subject property within XXXX miles of their residence. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors dscr XXXX reserves over XXXX months |  | 2 | 2 | 3 | 2 |
| XXXX | 2158767 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158766 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158766 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 2 | 1 |
| XXXX | 2158766 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. DSCR - Program Parameters - Other. The loan file is missing lender exception for --- to allow borrower living rent free purchasing subject property within XXXX miles of their residence. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per guidelines, an exception for a borrower living "Rent Free" and within XXXX miles of the subject property is only required if the subject property is vacant. If the property is occupied, the exception is not required. Please waive.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)** |  | Compensating factors: |  | 1 | 1 | 2 | 1 |
| XXXX | 2158766 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158765 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158765 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. DSCR - Program Parameters - Other. The loan file is missing XXXX to allow borrower living rent free purchasing subject property within XXXX miles of their residence. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)** |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158765 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Program Parameters - Other. According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 2 | 1 |
| XXXX | 2158765 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156395 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156395 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156395 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158716 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs upoaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158716 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Any business structure is limited to a maximum of three layers. Any business structure that exceeds three layers will be considered on a case-by-case basis. A layer is when the borrowing entity is owned by another entity. The file has four layers entities are XXXX) XXXX XXXX) XXXX, XXXX) XXXX, and XXXX) XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CLOSING ENTITY VESTING: XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX & XXXX% BY XXXX. XXXX - XXXX IS OWNED XXXX% BY XXXX AND XXXX IS OWNER XXXX% BY B1** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158716 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158715 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158715 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Any business structure is limited to a maximum of three layers. Any business structure that exceeds three layers will be considered on a case-by-case basis. A layer is when the borrowing entity is owned by another entity. The file has four layers entities are XXXX) XXXX XXXX) XXXX, XXXX) XXXX, and XXXX) XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CLOSING ENTITY VESTING: XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX & XXXX% BY XXXX. XXXX - XXXX IS OWNED XXXX% BY XXXX AND XXXX IS OWNER XXXX% BY B1** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158715 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158714 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158714 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Any business structure is limited to a maximum of three layers. Any business structure that exceeds three layers will be considered on a case-by-case basis. A layer is when the borrowing entity is owned by another entity. The file has four layers entities are XXXX) XXXX XXXX) XXXX, XXXX) XXXX, and XXXX) XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CLOSING ENTITY VESTING: XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX & XXXX% BY XXXX. XXXX - XXXX IS OWNED XXXX% BY XXXX AND XXXX IS OWNER XXXX% BY B1** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158714 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158713 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158713 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Any business structure is limited to a maximum of three layers. Any business structure that exceeds three layers will be considered on a case-by-case basis. A layer is when the borrowing entity is owned by another entity. The file has four layers entities are XXXX) XXXX XXXX) XXXX, XXXX) XXXX, and XXXX) XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CLOSING ENTITY VESTING: XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX XXXX – XXXX IS OWNED XXXX% BY XXXX & XXXX% BY XXXX. XXXX - XXXX IS OWNED XXXX% BY XXXX AND XXXX IS OWNER XXXX% BY B1** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158713 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156394 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156394 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " all dscr financing for rent free within XXXX miles of subject (vacant) ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (waived).** |  | comp factors dscr XXXX assets over XXXX months experienced |  | 2 | 2 | 2 | 2 |
| XXXX | 2156394 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153528 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153528 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). However the loan file did not contain XXXX signed by both guarantors since they own XXXX%/XXXX% ownership need XXXX signature on the Guaranty. Personal guaranties from a community property state, XXXX, must be accompanies by a signature from the gurantor's spouse. XXXX) Missing backjground check for XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153528 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow addendum showing XXXX/XXXX percent ownership and removal of a non active business after application date. One is the borrower and one is a guarantor so both are signing and have to qualify. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR over XXXX%, fico score |  | 2 | 2 | 3 | 2 |
| XXXX | 2153528 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156393 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2156393 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow cash-out financing to XXXX% the borrowers FICO score is XXXX points below minimum required for cash-out. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Compensating factors: 0x30 primary, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2156393 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153527 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153527 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of the borrower and entity. The XXXX search for the borrower is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX search** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153527 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153526 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153526 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the late fees test. (XXXX. Fin. Code §XXXX)The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153526 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | XXXX provided for XXXX% investor concentration for a non-warrantable condo. maximum is XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp Factors - Experienced Long-Term Investor and XXXX months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2153526 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | XXXX provided for subject condo project involved in XXXX litigations. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp Factors - Experienced Long-Term Investor and XXXX months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2153526 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX provided for XXXX% investor concentration for a non-warrantable condo with an LTV of XXXX%. XXXX is XXXX% with a maximum LTV of XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp Factors - Experienced Long-Term Investor and XXXX months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2153526 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144900 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2144900 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2144900 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153525 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153525 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for XXXX% prepayment penalty with a maximum XXXX prepayment term, the loan has a XXXX% prepayment penalty with a XXXX prepayment term. The loan fails the prepayment test by XXXX% and XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153525 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153525 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142499 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2142499 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan closed in the name of an Entity, XXXX. The investor guidelines required an executed Resolution granting authority of signer to enter loan obligation and a XXXX search of the entity. The Resolution was provided; however, was not signed by the guarantor. The required XXXX search of the entity was also not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX and resolution uploaded<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> entity XXXX search** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Individual search provided, Entity search was not provided.<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142499 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139963 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2139963 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2139963 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2139918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2139918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2139918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153486 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153486 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines a background report including a search for liens and judgments on the entity must be completed. The required background report for the borrowing entity is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153486 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors are required to complete a limited application that includes their name, address, date of birth, social security number and citizenship. The limited application is missing from the loan file for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor doc** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153486 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide authorization for a credit report and background check. Additionally, guarantors must meet the credit and background requirements set forth in the guide. The required documents are missing from the loan file for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor doc** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153486 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153524 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153524 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153524 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a google search of the XXXX. The required google searches for the borrower and entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> google search** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153524 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153523 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153523 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153523 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153522 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153522 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153522 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153522 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153521 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153521 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "allow to proceed and close XXXX/XXXX using a credit report over XXXX days ." Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX experienced DSCR XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153521 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 a appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158764 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158764 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a Google search of the XXXX. The required google searches for the borrower and both entities are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158764 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158763 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158763 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a Google search of the XXXX. The required google searches for the borrower and both entities are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158763 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153520 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153520 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a XXXX search of the Borrower and the Entity. The required XXXX searches for Borrower XXXX and XXXX are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153520 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153484 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the loan agreement addendum is missing the lenders signature. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153484 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153484 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153519 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153519 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | Assets were required in the amount of $XXXX ($XXXX closing costs + $XXXX reserves). Assets were verified in the amount of $XXXX with a XXXX day bank statement from XXXX bank acct #XXXX. Per the guidelines; XXXX days of account activity is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2mo bank statement account XXXX XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153519 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the use of the lease for qualification with XXXX months verification of rent paid to the borrower when guidelines require XXXX months to use the higher amount of the lease. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: High XXXX, Experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2153519 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153483 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153483 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153483 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153518 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153518 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153518 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153481 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153481 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to waive the guideline requirement for an executed ACH form on Cash-Out refinances over XXXX% LTV. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2153481 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153480 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153480 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153480 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The background check including a lien/judgment search for XXXX could not be located within the loan file and this is the name of the business the loan closed in per the Note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153480 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Per the appraisal the subject property is in a declining market, guidelines require a XXXX% LTV reduction. The max LTV/CLTV with a XXXX score is XXXX%, but with the XXXX% LTV reduction XXXX allowed is XXXX% but the loan closed at XXXX% LTV/CLTV. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153480 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153517 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153517 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153517 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153516 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153516 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153516 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153515 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153515 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153515 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2139922 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2139922 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors are required to complete a limited application that includes their name, address, date of birth, social security number and citizenship. Guarantors must provide authorization for a credit report and background report. The guarantor must meet the credit and background requirements set forth and credit scores must meet the program minimum qualify score. The loan file is missing the required documents for entity member XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139922 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142504 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2142504 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The Operating Agreement for XXXX provided by the XXXX was not executed. The Operating Agreement was provided to verify access to the XXXX acct #XXXX that was used for closing costs and reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142504 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156390 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> PG. XXXX of XXXX has been provided and does not address the Lender Executed Loan Agreement. Please provided Lender Executed Loan Agreement for review. (Acknowledged)** |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156390 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156390 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX and the CDA was missing from the loan file. Guidelines require a CDA for cash-out refinances. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> CDA uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX property is XXXX A. CDA is for XXXX A. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158762 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158762 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The loan file contains a lender exception to allow a vesting aka name to change to the business at closing. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).** |  | Compensating factors: FICO 20 pts higher than min, Experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2158762 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153514 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153514 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153514 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153514 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158761 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158761 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the background check for the other guarantors XXXX owns XXXX% ownership and Yvonne XXXX XXXX% ownership. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158761 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the the signed dated personal guaranty representing the majority ownership of (XXXX%). XXXX, guarantor signed the Guaranty with XXXX% ownership, however missing the other guarantors signature XXXX XXXX% ownership and XXXX XXXX% ownership to make up the XXXX% ownership. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED -** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158761 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142505 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2142505 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2142505 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2142505 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158760 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158760 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require the borrower to fully execute the ACH form on any cash-out refinance over XXXX%, the subject is a cash-out refinance at XXXX% but the executed ACH form was not located within the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached exception** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)** |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2158760 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156389 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156389 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing the final HUD, verifying net proceeds to borrower of no less than $XXXX, and verification of loan terms for the refinance of XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156389 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the statement ending XX/XX/XXXX for XXXX. Guidelines require the most recent XXXX months business bank statements as of the initial application date of XX/XX/XXXX | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached exception** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX% LTV. $XXXX per month residual income. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2156389 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153478 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153478 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The background located within the loan file is for XXXX but the background check including a lien/Judgment search for XXXX could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153478 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a borrower living rent free purchasing a vacant property within XXXX miles of the subject property which guidelines will not allow. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ rental experience |  | 2 | 2 | 3 | 2 |
| XXXX | 2153478 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy including the required $XXXX in liability insurance coverage could not be located within the loan file, which is required by guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see email from insurance agent attached confirming liability insurance on the policy.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153478 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144909 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2144909 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2144909 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156387 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156387 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The entity is missing the full background showing liens and judgements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156387 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158712 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158712 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158712 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158693 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158693 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. XXXX provided for transferred appraisals not allowed on multi-unit properties. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).** |  | Compensating factors: LTV is XXXX% less than max LTV and FICO is XXXX points greater than min fico score. |  | 2 | 2 | 2 | 2 |
| XXXX | 2158693 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153477 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153477 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty signed/dated by both borrowers. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report XXXX) background check for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153477 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158711 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158711 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158711 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156386 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156386 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156386 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153474 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153474 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153474 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153473 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153473 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153473 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158759 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The HUD provided is not signed or stamped as True and Certified. Please provide a signed or stamped True and Certified for review. (Acknowledged)** |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158759 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158759 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158759 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153508 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153508 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to waive the completed ACH form which is required for cash-out refinance with less than a than a XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mons PITI, LTV XXXX% less than XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153508 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153472 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153472 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "allow for fee over XXXX % and XXXX and only XXXX% of it to be financed. ." Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors FICO XXXX DSCR XXXX experienced |  | 2 | 2 | 2 | 2 |
| XXXX | 2153472 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153471 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153471 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The vesting reflected on the title report reflects the property held in XXXX, a designated series of XXXX. A deed transferring ownership interest from XXXX, a designated series of XXXX to XXXX. is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirming vesting of: XXXX, a designated series of XXXX, a XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153471 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on page XXXX of the Security Instrument is inconsistent with the Note. The borrower is XXXX however the vesting reflects XXXX, a designated series of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirming name of company is correct on the Note** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153471 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Missing background check. The loan file is missing the required entity background search for the entity, XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153471 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142469 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan Agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2142469 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142469 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153468 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153468 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153468 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142510 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2142510 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow living rent free within XXXX miles of subject property. The letter in the file states borrower lives with mother as she has for the past XXXX years. XXXX state that it is not eligible when borrower is living rent-free and the subject property is within XXXX miles of primary residence. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Borrower owns three investment properties, all in the XXXX area for more than a few years. Assets cover XXXX months' reserves. DSCR XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2142510 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153467 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: the reason listed on the Business Certification of Business Purpose for the cash out " Reimburse the cash used" is not an acceptable reason. More specific information is needed for the purpose of the cash out. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153467 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the loan agreement addendum is missing the lenders signature. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153467 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153467 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153466 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153466 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The XXXX checking acct ending in XXXX includes an asset statement dated XX/XX/XXXX. Guidelines required XXXX days worth of seasoned verified funds, please provide the XXXX/XXXX for the XXXX acct ending in XXXX. These funds are required for funds to close and XXXX months reserve requirements. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153466 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153465 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153465 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153465 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158758 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158758 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a Google search of the XXXX. The required google searches for the borrower and both entities are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached Google Searches** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158758 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158694 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158694 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Number of Units | XXXX | The loan file contains a lender exception to allow financing on a XXXX-XXXX unit property in XXXX which requires an exception. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Compensating factors: DSCR >XXXX, XXXX+ mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2158694 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158692 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower did not initial page XXXX of the Mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The pg. XXXX of the Mortgage provided is not for the subject loan. Please provide pg. XXXX for subject loan for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158692 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow property type XXXX-XXXX units to finance this purchase for an experienced investor in XXXX." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).** |  | comp factors fico XXXX dscr XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2158692 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153442 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153442 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153442 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153462 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153462 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | Funds to close required for subject closing were $XXXX ($XXXX EMD + $XXXX XXXX $XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX. As a result, funds for closing were short $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153462 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Guidelines state in order to use retirement accounts for reserves the terms and conditions to XXXX from the XXXX acct ending in XXXX must be provided but could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached. Note that the 401k is actually via XXXX – the originator inadvertently listed XXXX which are actually the funds held within the 401k.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153462 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background report including a liens and judgments search is required on the borrowing entity. The loan file contained a background check with status, but the background including the liens and judgments was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153462 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158710 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158710 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158710 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158756 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158756 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require evidence of XXXX months' rent received if lease amount is used for qualification and lease amount is less than XXXX% greater than the market rent or if market rent plus XXXX% is used for qualifying. The subject loan was qualified using the lease amount, which was greater than the market rent but within XXXX% above the market rent; however, no evidence of rent receipt was present in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> base off the executive summary the lower of the rent was used, $XXXX. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The market rent was $XXXX. The lease of $XXXX was used. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Comp Factors - XXXX months reserves and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2158756 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for operating agreement dated after application date. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Comp Factors - XXXX months reserves and LTV XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2158756 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for subject property acreage exceeds maximum allowed of XXXX acres. Subject property consists of XXXX acres. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Comp Factors - XXXX months reserves and LTV XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2158756 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158709 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Points- Loan Discount Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED CD** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158709 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Low DTI, Low LTV |  | 2 | 2 | 3 | 2 |
| XXXX | 2158709 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158755 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158755 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for modifications to the entity ownership structure after the application date. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Determined non-material based on compensating factors (waived).** |  | Comp Factors - Experienced Long-Term Investor, DSCR XXXX and XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2158755 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153460 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153460 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153460 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153459 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153459 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153459 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153506 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153506 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of the terms of therefinance for XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The property sold on XXXX/XXXX - please see attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please clarify. This is not a final CD. Will this be a sale? If not, CD will need to reflect the new PITI. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153506 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow the co-borrower to not meet FICO requirements. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX mos reserves, Low DTI |  | 2 | 2 | 3 | 2 |
| XXXX | 2153506 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file is missing a VVOE for the co-borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> VVOE provided does not contain a date. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153506 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153458 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153458 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153458 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153458 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153505 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153505 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153505 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153457 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153457 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153457 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153456 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153456 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153456 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153504 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153504 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153504 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156377 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156377 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | .According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156377 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158752 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158752 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158752 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file contained an exception for cash-out seasoning; however, the exception was not required due to the subject seasoning is XXXX months and the minimum required is XXXX months. According to the HUD settlement statement from the purchase, the property was purchased on XX/XX/XXXX. The subject note date is XX/XX/XXXX; therefore, the minimum of XXXX months seasoning is met. (Resolved). | Resolved |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158751 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158751 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the XXXX letter from borrower sister XXXX for property address XXXX XXXX XXXX. There are two gift letters one for $XXXX. and the other for $XXXX. showing on the XXXX statement from XXXX # XXXX. The file does contain the XXXX XXXX Statement showing funds available in XXXX account that can be transferred. The XXXX letter in the file is for property XXXX-XXXX which is a different property than the subject property. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX has sufficient funds for closing and reserves: $XXXX at XXXX, $XXXX XXXX (joint account, bank access letter attached), and $XXXX with XXXX mutual. Please clarify what is needed to clear this condition.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Nothing additional is required. (Void)** |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158751 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to waive entity fee (part of XXXX pack). Deteremined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).** |  | Compensating Factors: XXXX score XXXX, experienced investor. |  | 2 | 2 | 2 | 2 |
| XXXX | 2158751 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158750 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158750 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158750 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158749 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158749 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158749 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of the XXXX debt listed on the final XXXX with a monthly payment of $XXXX | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower has XXXX payments left with XXXX totaling in the amount of $XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide evidence of the same. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)** |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158749 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verificationof loan terms for the bridge loan taken against XXXX-XXXX Paxton. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 2 | 2 |
| XXXX | 2158749 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing proof of good standing for XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The LLC was formed on XX/XX/XXXX, the good standing is not needed.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 2 | 2 |
| XXXX | 2158749 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow the use of the Field Review vs Desk Review to support appraised value. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).** |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2158749 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 field review, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158748 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158748 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158748 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158748 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156414 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2156414 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the subject to be vacant with a DSCR below XXXX. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).** |  | Compensating factors: FICO 40 pts higher than min, XXXX+ mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2156414 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158747 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158747 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158747 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153454 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153454 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153454 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153452 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153452 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of the sale of XXXX XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> contract for sale XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> EXCEPTION** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> This does not appear to be a cash sale and the financing section has not been removed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2153452 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153451 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153451 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153451 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156372 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156372 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156372 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158746 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158746 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners presenting a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report and XXXX) background check for the non-borrowing guaranty XXXX as required. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> email approving guarantor waiver** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX% LTV. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2158746 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153450 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153450 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Purpose | XXXX | The loan file contains a lender exception to allow the loan to close as a no cash-out refinance already vested in the name of the business name when should be considered a purchase. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ months XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153450 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the payoff of a land contract with verification of XXXX months payments instead of the required XXXX months payments. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ months XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153450 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow financing on the subject which is less than the required minimum XXXX square feet at XXXX square feet. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ months XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153450 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153503 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153503 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153503 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153448 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2153448 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the payoff of a land contract with verification of XXXX months payments instead of the required XXXX months payments. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ months XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153448 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Purpose | XXXX | The loan file contains a lender exception to allow the loan to close as a no cash-out refinance already vested in the name of the business name when should be considered a purchase. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ months XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153448 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow financing on the subject which is less than the required minimum XXXX square feet at XXXX square feet. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >XXXX, XXXX+ months XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2153448 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158745 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158745 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158745 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156370 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156370 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156370 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158744 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158744 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: The Exhibit B of the Loan agreement is missing the Entity name above the signatures, also signed on the incorrect line as well as on the Natural borrower line, and is missing the printed name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158744 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for the entity, XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158744 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153501 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153501 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153501 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156369 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156369 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing the background for entity XXXX, missing liens and judgements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156369 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153447 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153447 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153447 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be isgned by one or more ownersrepresenting a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report XXXX) and backround check, or a XXXX) picture XXXX as driver's license, passport, or similar for the non-borrowering guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153447 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158708 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158708 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The Prepayment Rider is missing. Please provide the executed rider and a revised mortgage document, which includes the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please note we only have the XXXX to the Note (we do not provide a Rider to the DOT)** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided. (Void)** |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158708 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Guidelines require a business background check including a lien and judgment search in the name of the business the loan closed in which is: XXXX. Background located within the loan file is for XXXX. Please provide a background check for XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158708 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158707 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title - Examination Fee and Title - Settlement Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC provided.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED TRID CURE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC provided is for a Third Party Fee. being removed on the CD issued on XX/XX/XXXX. The tolerance violation is or the increase to the fees Title - Settlement fee and Title - Examination fee. Please provide a XXXX for the increase to these fees for review. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158707 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158707 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158707 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156368 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2156368 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of satisfaction for the following: $XXXX judgement XXXX XX/XX/XXXX, $XXXX State tax lien XX/XX/XXXX, and $XXXX State tax lien XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156368 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158743 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158743 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158743 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158742 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158742 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow for property to be a rural property ."Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).** |  | comp factors ltv XXXX% credit XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2158742 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow to proceed to maintain a dscr XXXX + ." ?Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).** |  | comp factors XXXX ltv XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2158742 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 support the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158741 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158741 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158741 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153500 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153500 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153500 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153499 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153499 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153499 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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/XXXX6 which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158705 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158705 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower did not date Pg XXXX of the XXXX-XXXX Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158705 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158705 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156365 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156365 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156365 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of the XXXX and Entity. The required XXXX searches for both the XXXX and Entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156365 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158740 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158740 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Per guides, the maximum LTV for STR cash out refinance is XXXX%. The subject loan is a STR cash out refinance and the LTV is XXXX%, which exceeds the max of XXXX%. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Request to revisit. XXXX was utilized in calculation. See the attached UW comment.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)** |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158740 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153498 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153498 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of HOA for XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Statement provided does not contain an amount. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153498 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for XXXX units being under XXXX. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX reserves, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2153498 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2156363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file contains a lender exception to allow co-insurance which guidelines will not allow. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).** |  | Compensating factors: DSCR >XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2156363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158739 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158739 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " all approval for living rent free within XXXX miles of the subject - XXXX miles away ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).** |  | comp factor XXXX XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2158739 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158704 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158704 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158704 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158703 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158703 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158703 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153497 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153497 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153497 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158738 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Lender executed Loan agreement has not been provided for review. Please provide Lender executed Loan Agreement for review. (Acknowledged)** |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158738 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158738 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for "allow a personal guarantor (for vesting entity XXXX to have fico score that is less than program minimum XXXX XXXX but has XXXX ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).** |  | comp factors LTV XXXX primary with XXXX years plus experienced |  | 2 | 2 | 3 | 2 |
| XXXX | 2158738 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158702 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158702 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " Maximum LTV for XXXX is XXXX% approved to XXXX% ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived). ?** |  | comp factor fico XXXX dscr XXXX reserves over XXXX months |  | 2 | 2 | 2 | 2 |
| XXXX | 2158702 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158701 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158701 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158701 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158736 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158736 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158736 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to proceed with only XXXX mos residential history for the borrower. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).** |  | Compensating Factors: Low LTV, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2156361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158734 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The XXXX agreement provided is not for this loan. Please provide XXXX for this loan. (Acknowledge)** |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158734 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158734 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158733 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158733 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158733 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158732 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the borrower or notarized. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan agreement** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158732 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158732 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158732 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158700 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158700 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158700 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following are required for XXXX as they were the second party to sign the Guaranty Agreement. XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization for a credit report and background report XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor background** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158700 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158731 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158731 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a background check that includes a search for liens and judgments for the entity is required. The loan file is missing the required background check for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158731 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153496 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2153496 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof HOA for XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153496 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for XXXX units being under XXXX. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX reserves, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2153496 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158699 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158699 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Per the final XXXX the borrower is living rent free but the rent free letter from the owner of XXXXXXXX, XXXX XXXX, along with verification the B1 has no ownership interest could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158699 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158730 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158730 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Borrowers name on the Security Instrument is inconsistent with the title. The Title reflects current vested interest is XXXX, and individual; however, the mortgage lists XXXX, Married, herein joined by spouse, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> per title there is no issue. please see email.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The information provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158730 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158730 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158729 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158729 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158729 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report XXXX) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX (XXXX% ownership of LLC). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158729 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158728 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158728 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158728 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158728 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158727 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage is missing the notary acknowledgement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158727 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158727 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158726 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158726 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158726 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines XXXX months of reserves is required for DSCR less than XXXX. The cash back in the amount of $XXXX was used towards the required reserves of $XXXX; which leaves a reserve shortage of $XXXX. The loan file included one monthly XXXX bank statement that does not identify the borrower as account holder and therefore was not used. Two monthly asset statements that reflect the borrower as the account holder; reflecting a minimum balance for the reserves shortage is needed to meet the reserve requirement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> with the cash out proceeds of subject loan and the other transaction, borrower has enough reserves. please see attached Final settlement statement of the other property refinanced cash out.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158726 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a background check for the entity that includes a search for liens and judgments is required. The required background check is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158726 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 a appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156359 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156359 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156359 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow financing for property that exceeds XXXX acreage of XXXX acres. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (waived).** |  | Compensating Factors: XXXX+ year credit history, Excess Reserves from cash back exceeds XXXX months. |  | 2 | 2 | 2 | 2 |
| XXXX | 2156359 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | XXXX provided to allow property located in a rural area. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (waived).** |  | Compensating Factors: XXXX+ year credit history, Excess Reserves from cash back exceeds XXXX months. |  | 2 | 2 | 2 | 2 |
| XXXX | 2156359 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158725 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2158725 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require the borrower have investment property experience by owning an investment property for XXXX months in the past XXXX months but verification of other property ownership to verify this could not be located within the loan file. There is a REO schedule the B1 prepared but this is not 3rd party verification which is required, there is no ownership interest in the primary residence per the XXXX month mortgage statements. Please provide verification of investment property ownership for XXXX months within the past XXXX months. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158725 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158724 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158724 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158724 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158723 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2158723 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158723 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2158722 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158722 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI at audit of XXXX% exceeds lenders DTI of XXXX% and XXXX program DTI of XXXX%. The source of the DTI variance is income calculation related, however the exact cause could not be specifically identified by auditor as the lenders provided docs are not consistent. The final XXXX, XXXX, approval and executive summary do have the same income of $XXXX. The final XXXX breaks that down to $XXXX for XXXX and $XXXX for XXXX with the executive summary specifically stating that income was derived from XXXX averages. There are two separate word doc income calcs in file (added to support file). Doc #XXXX shows XXXX amounts matching the XXXX XXXX's provided for XXXX. Doc #XXXX adds the XXXX XXXX's for XXXX. In addition the lender provided a standard self employment cash flow worksheet showing a standard self employment cash flow for "delivery" from the XXXX XXXX Sched C infile. The Sched C for "delivery" is assumed by the auditor to be the income for the borrowers employment with XXXX although the XXXX's in file don't exactly match the gross income on Sched C of $XXXX, however the only other Sched C is for "XXXX". The lenders cash flow adds back mileage depreciation for XXXX business miles, but those miles are actually deducted from "XXXX" and not "Delivery". The calculated cash flow income of $XXXX does match the final XXXX, however the mileage depreciation deduction cannot be added back as, per the Executive Summary, the borrower qualified by averaging XXXX's and not with a standard self employment calc. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached XXXX transcripts to clear this condition. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see XXXX XXXX Transcripts** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Income was averaged for XXXX and XXXX. Please provide the XXXX XXXX Transcripts. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX transcripts only supported income of $XXXX for the year. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2158722 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158721 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158721 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158721 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153194 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153194 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153194 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2138591 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The date the document was executed and the name/signature of the borrowers is missing on Exhibit B of the referenced loan agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exhibit B** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2138591 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2138591 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145917 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145917 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145917 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145906 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145906 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145906 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152588 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152588 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152588 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2138592 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> A Loan Agreement is not required. Please clear. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Executed Loan Agreement and Exhibit B** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The notes specially states it is executed in conjunction with the Loan Agreement and Reference is made to the Loan Agreement. There is not an executed loan agreement in the file, the note is incomplete without the referenced loan agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2138592 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the XXXX was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2138592 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2138592 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2138593 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan Agreement not required. Please Clear.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Executed Loan Agreement and Exhibit B** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The notes specially states it is executed in conjunction with theLoan Agreement and Reference is made to the Loan Agreement. There is not anexecuted loan agreement in the file, the note is incomplete without thereferenced loan agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2138593 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the XXXX was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2138593 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2138593 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2145907 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145907 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145907 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2138594 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement referenced in section 7 and XXXX of the note is missing. " This Note is executed in conjunction with the Loan Agreement". | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> i am unclear and think this is invalid. there is no loan agreement in our loan file. what note is referencing this agreement? <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Loan Agreement and Exhibit B** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The notes specially states it is executed in conjunction with the Loan Agreement and Reference is made to the Loan Agreement. There is not an executed loan agreement in the file, the note is incomplete without the referenced loan agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2138594 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is not executed by the Lender. (Acknowledged) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2138594 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: The XXXX-XXXX Family Rider referenced in section (E) Riders is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> recorded dot w/ rider** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2138594 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI policy<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Email from HOI agent and HOI policy** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2138594 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156453 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156453 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The subject is located in a condo minimum project. The XXXX insurance declaration pages with coverage limits for the complex was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Master policy attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156453 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153132 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153132 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153132 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145904 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145904 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145904 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153195 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153195 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153195 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2140078 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2140078 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2140078 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136963 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136963 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136963 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153193 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153193 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The total required funds were closing funds in the amount of $XXXX which includes the EMD funds plus reserves in the amount of $XXXX for total required funds of $ XXXX. A XXXX account # XXXX in the name of XXXX was provided. The investor guidelines required the Operating Agreement that details ownership of the entity and access to funds. Additionally, a retirement account with TIAA, page XXXX only was provided. The investor guidelines required full statements to include terms of withdrawal and vested balance. The terms of withdrawal, vested balance and full statement were not provided. Either of the XXXX or TIAA retirement, if properly documented, would satisfy the required funds for the transaction. Without these documents, the borrower is short of the required closing funds and reserves in the amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The loan file contained a Heloc which was used to close on the transaction, ending balance is $XXXX.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153193 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The Closing Disclosure reflected Seller Concessions in the amount of $XXXX. The Closing Disclosure reflected total borrower's closing cost in the amount of $XXXX. The amount paid by the seller exceeded the total borrowers cost by $XXXX which resulted in an adjusted sales price of $XXXX and LTV of XXXX%. Maximum LTV based on investor guidelines was XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not sure what this means, the total seller credit is within XXXX allowable guidelines of XXXX% of sales price.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See revised executed HUD attached with all closing costs involved, (Page XXXX-XXXX)** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX concessions can only exceed borrower costs by an amount that does not cause the LTV to exceed guidelines. In this case excessive seller concessions resulted in an LTV over XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153193 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159573 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159573 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The total required funds were closing funds in the amount of $XXXX which includes the EMD funds plus reserves in the amount of $XXXX for total required funds of $ XXXX. A retirement account with TIAA, page XXXX only was provided. The investor guidelines required full statements to include terms of withdrawal and vested balance. The terms of withdrawal, vested balance and full statement were not provided. Without proper verification of these funds, the borrower is short of the required closing funds and reserves in the amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The loan file contained a Heloc which was used to close on the transaction, ending balance is $XXXX.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159573 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The Closing Disclosure reflected Seller Concessions in the amount of $XXXX. The Closing Disclosure reflected total borrower's closing cost in the amount of $XXXX. The amount paid by the seller exceeded the total borrowers cost by $XXXX which resulted in an adjusted sales price of $XXXX and LTV of XXXX%. Maximum LTV based on investor guidelines was XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not sure what this means, the total seller credit is within XXXX allowable guidelines of XXXX% of sales price. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX attached<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attaching the note amendment** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX concessions can only exceed borrower costs by an amount that does not result in an LTV that exceeds guidelines. The excessive XXXX contribution resulted in an LTV that exceeds XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The principal reduction would need to be $XXXX to achieve an LTV after excessive concessions of XXXX%. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159573 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153197 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> There is no loan agreement as it is not required** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153197 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Amended, Restated Note is in the file however, the Original Note prior to Amendment is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Note attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153197 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153197 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153196 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153196 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153196 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136962 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136962 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject transaction closed with an LTV of XXXX%. The maximum LTV allowed per the investor guidelines was XXXX%. LTV exceeds the maximum allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per XXXXs Guidelines, XXXX% LTV purchases are allowed.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136962 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159579 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159579 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The total funds for closing and reserves, including the EMD was $XXXX. An XXXX account ending in X717 was provided to supplement the required funds. This account was in the name of XXXX. Documentation was not provided to support the owners of XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX Certificate Of Formation attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159579 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The HUD reflected the purchase price as $XXXX. The appraisal reflected a purchase price of $XXXX. The contract provided reported sales price of $XXXX. An addendum to the contract supporting the final purchase price of the subject was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159579 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156450 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage references a Loan Agreement as part of the loan documents, however, a copy of XXXX is missing in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> There is no Loan Agreement included in this loan file. Attached is an email from our attorney confirming this was an error.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Correction mortgage attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide theLOE/e-mail review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The LOE from the Attorney stating the Loan Agreement was included in the Mortgage was done in error has been reviewed. The LOE is not sufficient. The borrower needs to be made aware of any changes being made to the Recorded Mortgage. Please provide a corrected Mortgage with the changes initialed by the borrower. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156450 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background for all borrowers and guarantors. The loan file obtains a background check for the co-borrower; however, the loan file is missing a background check for the borrower, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Background Checks for both borrowers** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156450 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156451 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note was executed by an Entity and a Trust, but the Trust documents are missing. Unable to determine if signatures on note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Trust agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156451 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage/Deed of Trust was executed by an Entity and a Trust, but the Trust documents are missing. Unable to determine if signatures on mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Trust Agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156451 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The subject is located in a condomimium project. The XXXX insurance declaration pages with coverage limits for the complex was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Master HOA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156451 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Cash-Out Amount | XXXX | The final HUD reflected borrower's cash out amount was $XXXX. The investor guidelines allowed maximum cash out in the amount of $XXXX. Subject cash out exceeded the maximum allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We received an investor approval and are clear to proceed** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2156451 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156452 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156452 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note was executed by an Entity and a Trust, but the Trust documents are missing. Unable to determine if signatures on note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Trust agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156452 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | Incomplete. The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage/Deed of Trust was executed by an Entity and a Trust, but the Trust documents are missing. Unable to determine if signatures on mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Trust agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156452 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The subject is located in a condominium project. The XXXX insurance declaration pages with coverage limits for the complex was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Master HOA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156452 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156449 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Proforma<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Title attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The XXXX discloses the name of the parties that havevested interest prior to the subject loan closing. The Title Policy will showthe name of the parties that have vested interest after the subject loancloses. The Title Commitment is needed to ensure the borrower has vestedinterest in the property and able to obtain a loan on the property. Please provide a copy of the title commitment. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156449 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing for the subject properties located at XXXX, XXXX-XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood Certificate attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> All flood XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only XXXX was provided, which is not on the list. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156449 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing evidence of current hazard insurance for the subject property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Insurance for XXXX frost with Special Form XXXX coverage ensuring all perils are covered <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156449 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing evidence of the hazard insurance premiums for all XXXX subject properties. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Insurance confirmation for all XXXX properties with Special form coverage ensuring all perils are covered. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All premiums are still missing except for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156449 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The maximum allowed LTV for a cash-out refinance is XXXX%. Due to variances above XXXX% from the CDA's for the subject properties located at XXXX, XXXX, XXXX and XXXX and using XXXX% of the total cost for the property located at XXXX, the total qualifying value is only $XXXX, resulting in an LTV of XXXX% which exceeds the maximum allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX approval attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2156449 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 CDA's dated XX/XX/XXXX which do not support the appraised value within 10% for the subject properties located at XXXX, XXXX, XXXX and XXXX; however, the guidelines allow for the lower value to be used. Per the rating agencies, this is graded as an EV2. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values for the remaining properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No responde needed** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> EV2 rating. (Resolved)** |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153198 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153198 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153198 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159576 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159576 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation (Master HOI, XXXX, Condo Budget, Project Review). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Master HOI Attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159576 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and/ supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153206 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153206 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153206 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159577 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159577 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject closed in the name of XXXX. The operating agreement reflected XXXX members each with a XXXX% ownership of the LLC. The investor guidelines required an OFAC search for all Key Principals. The OFAC search for XXXX, XXXXnd entity member, was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Clean OFAC searches for both borrowers attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159577 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153205 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. The Security Instrument reflects XXXX which does not match the current Vested Interest on Title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The property was transferred with the attached quick claim deeds** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153205 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing proof the borrower owns "XXXX" which is the account holder for XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OPERATING AGREEMENT OF XXXX attached proving access to funds in XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153205 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153199 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153199 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153199 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159575 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159575 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject property is XXXX units. Properties with XXXX or more units must be approved to meet the XXXX overlay. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Approval received by investor attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | XXXX Score. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159575 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. A secondary appraisal review product was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> BPO attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153201 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | Security Instrument - Name Discrepancy. The Vested Interest on the Security Instrument is inconsistent with the XXXX. The Security Instrument reflects XXXX which does not match the current Vested Interest on Title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The property was transferred over via the attached XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153201 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153201 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153202 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. The Security Instrument reflects XXXX which does not match the current Vested Interest on Title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The property was transferred over via the attached XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153202 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | Per Lender's guides, the borrower is required to provide documentation to prove ownership of the entity and access to funds in the bank account used for reserves. The borrower used funds from XXXX #XXXX, which reflects XXXX as the account holder. The loan file obtains an op agreement for XXXX, which does not reflect XXXX as an entity. The file does not contain an op agreement or any documentation indicating the borrower has access to the funds in business account XXXX #XXXX. The bank statements also does not reflect the borrower as an authorize user of the account. Without the funds, the borrower would be short -$XXXX in verified reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower has access to the account&#XXXX;s funds according to XXXX Operating agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153202 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153203 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153203 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Special coverage covering all perils attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153203 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153204 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. The Security Instrument reflects XXXX which does not match the current Vested Interest on Title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The property was transferred over via the attached XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153204 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | Per Lender's guides, the borrower is required to provide documentation to prove ownership of the entity and access to funds in the bank account used for reserves. The borrower used funds from XXXX #XXXX, which reflects XXXX as the account holder. The loan file obtains an op agreement for XXXX, which does not reflect XXXX as an entity. The file does not contain an op agreement or any documentation indicating the borrower has access to the funds in business account XXXX #XXXX. The bank statements also does not reflect the borrower as an authorize user of the account. Without the funds, the borrower would be short -$XXXX in verified reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower has access to the account&#XXXX;s funds according to XXXX Operating agreement attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153204 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153200 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The security instrument was not completed accurately. The title commitment reflects the property is currently vested in entity XXXX; however, the borrower is entity XXXX. The loan file does not includes a quit claim deed intended to transfer ownership from entity to entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The property was transferred with the attached deeds** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153200 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153200 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154540 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154540 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The homeowners insurance policy for the subject property did not reflect the total annual premium. Homeowners insurance premium could not be determined. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154540 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154541 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154541 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The subject was a purchase transaction. Required funds for closing, were $XXXX and $XXXX in reserves. File documentation reflected a XXXX checking account # XXXX with a balance of $XXXX. No other assets were documented. Borrower funds were short of the required closing funds by $XXXX and reserves by $XXXX for a total shortage of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower is using proceeds from loan XXXX towards verified liquidity. Attached is the wire receipt and HUD for loan XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154541 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154539 | 1 of 4 | XXXX | XXXX |  | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2154539 | 2 of 4 | XXXX | XXXX |  | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per guidelines, Open Judgments no on title totaling more than $XXXX must be paid in full at closing. The background check for the borrower reveals XXXX unsatisfied judgments in the amount of $XXXX in XX/XX/XXXX and $XXXX in XX/XX/XXXX. The loan file contains no evidence these were paid at closing. Please provide evidence judgments are satisfied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached judgment dismissals and search results confirming that all judgments have been satisfied.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2154539 | 3 of 4 | XXXX | XXXX |  | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject loan is part of a XXXX property cross collateral refinance into individual loans. The loan file contains the payoff for the entire cross collateral loan. The loan file only contains the HUD for the subject transaction. The loan file must contain all HUDs to reflect the entire payoff has been satisfied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> all HUDs for the full cross-collateral transaction are attached, reflecting that the entire payoff has been satisfied** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2154539 | 4 of 4 | XXXX | XXXX |  | XXXX | Valuation | Appraisal - 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 value. |  |  |  |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2159580 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159580 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for second Guarantor, XXXX, was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Credit for XXXX attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159580 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for the second Guarantor, XXXX to include OFAC search, criminal search, judgement search and identity verification alerts. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> BGC and OFAC search for XXXX attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159580 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The loan application for second Guarantor, XXXX, was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached loan application completed and signed by both guarantors** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159580 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject transaction was a cash out refinance with a mid XXXX. The subject's LTV was XXXX%. Per the investors DSCR matrix, the maximum LTV was XXXX%. The subject's LTV exceeds the maximum allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The borrower brought cash in at closing. This is not a cash-out. Please see the attached HUD for reference.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159580 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159578 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2159578 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation (Master HOI, XXXX, Condo Budget, Project Review). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Master HOI Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159578 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The final HUD reflected the seller paid $XXXX in borrower's closing cost. The sales contract did not contain an addendum to support the seller concessions. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This credit stems from Section 4 of the contract (page XXXX, XXXX contribution of XXXX%.)** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2159578 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145903 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2145903 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate properties located in XXXX, XXXX are ineligible for financing. The subject property is located in XXXX, XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This loan did not close nor was locked with a PPP. Also, please refer to the email from our Director of XXXX regarding the property location in XXXX. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX is the lender on this loan. We made the exception. There is no other lender involved.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> This appears to be an internal exception. Investor must grant exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception to be made by the Investor that is buying the loan. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, experienced investors, DSCR of XXXX, $XXXX in verified reserves** | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2145903 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Previously Listed for Sale | XXXX | The guidelines indicate properties listed for sale in the past XXXX months are ineligible for financing, unless a minimum XXXX year prepay penalty is applied. In addition, the listing must be cancelled prior to the note date and the value will be based on the lesser of the lowest list price in prior XXXX months or appraisal value.The subject property was listed for sale on XX/XX/XXXX for $XXXX with the most recent list price being $XXXX. As of the XX/XX/XXXX appraisal date, the listing was removed. The loan closed using the $XXXX appraised value to calculate the LTV (XXXX%). The $XXXX recent listing price was used at audit review and resulted in the LTV increasing to XXXX% (still meets G/L). However, the Note is missing the required 3yr prepayment penalty required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please refer back to email from our Director of Capital Markets allowing the loan to move forward re: XXXX 2 (03/XXXX/XXXX XXXX:28AM)<br> XXXX is the lender on this loan. We made the exception. There is no other lender involved.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> This appears to be an internal exception. Investor must grant exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception to be made by the Investor that is buying the loan. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, experienced investors, DSCR of XXXX, $XXXX in verified reserves** | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2145903 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139811 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Inaccurate | XXXX | The Note in inaccurate. The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. (Acknowledged) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2139811 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The referenced loan agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan Agreement and Exhibit B** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139811 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139811 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125778 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Exhibit B of the Loan Agreement was not executed. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> this does not affect the Note and was otherwise completed- this section is typically not applicable and/or required to be completed** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. As art of he Loan Agreement all Exhibits are required to be completed. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. The Loan Agreement is part of the Note; all XXXX to the Loan Agreement nee to be completed. Please provide complete Exhibit B for review. (XXXX)?** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Please review. Non-material document.** |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2125778 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Recording w/ XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2125778 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> flood deter cert** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2125778 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2127038 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127038 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127038 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136916 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136916 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136916 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136907 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Exhibit B of The Loan Agreement is incomplete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan closed in a Trust , not an LLC. Exhibit is not required. Please clear.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX B<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Exhibit B signed** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The trustees must sign and date Exhibit B in the "If a Natural Person" section of the exhibit where indicated. The exhibit is not limited to only LLCs. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Please re-upload. Re-opening condition.<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136907 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> mortg with rider** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2136907 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX XXXX-XXXX Family Rider | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> mort with rider** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136907 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136907 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2127039 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127039 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127039 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152585 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152585 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152585 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains an invoice for a CDA but the report was not provided. CU Score XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136926 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136926 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136926 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136925 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136925 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136925 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145916 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145916 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145916 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153133 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The Mortgage was executed by an entity, but the entity documents are missing. Unable to determine if signatures on mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Entity docs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153133 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is closing in the name of an entity and does not contain any entity docs (i.e. Articles of Organization, Operating Agreement, proof of EIN, Certification of good standing, proof of ownership). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Entity docs** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153133 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing a fully executed lease for the subject loan being refinances as required per investor guidelines. The loan file does contains a lease extension that expired XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The lease is not CURRENTLY expired. The extension in the file is until September of this year. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> lease and extension** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Unable to locate extension. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153133 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153136 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153136 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153136 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145921 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145921 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145921 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152587 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152587 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The loan file requires $XXXX in funds to close plus reserves ($XXXX in funds to close $XXXX in reserves). The loan file does not contain any asset documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Funds to close and reserves** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152587 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Contract of Sale w/Adden** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152587 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, XXXX 2nd appraisal to support the origination appraised value. Investor guidelines require a CDA when only one appraisal is obtained regardless of CU Score. CU Score XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139812 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Inaccurate | XXXX | The following section of the Note was inaccurate: The Exhibit B of the Loan Agreement reflected the entity member signing as a natural person. Additionally, the printed name of the entity was not listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> the Exhibit B meets all requirements** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139812 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity; however, the Note and Prepayment XXXX were signed as individual and as member. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2139812 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines for no housing history/rent free from spouse, a rent free letter is required and is not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Primary residence is owned free and clear. Please refer to the updated transmittal and property search** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139812 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines for vacant properties recently rehabbed, evidence that the property is currently listed for rent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX search that property is listed for rent** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139812 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> hoi agent email re: Perils** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139812 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139809 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note was executed by an entity, but the entity documents are missing. Unable to determine if signatures on note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LLC docs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139809 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The subject loan is vested on the mortgage and title as an LLC; however, the note was signed as individuals in addition to as members. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2139809 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage was executed by an entity, but the entity documents are missing. Unable to determine if signatures on mortgage are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LLC docs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139809 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The required LLC documentation for XXXX is missing from the loan file. Per guidelines, all LLCs must submit the following documentation: Copies of the entities Articles of Organization, Operating Agreements, proof of EIN and Certificate of Good Standing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LLC docs** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139809 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2145914 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145914 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145914 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144730 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144730 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144730 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142249 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142249 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142249 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142251 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142251 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX . A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC and LE for increase** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142251 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142251 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158226 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158226 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Discount Points $XXXX, Processing Fee $XXXX, Technology Fee $XXXX, Underwriting Fee $XXXX, Flood Certification Fee $XXXX, MERS Fee $XXXX, Closing Protection Letter $XXXX, Title Electronic Doc $XXXX, Title Attorney Fee $XXXX, and Prepaid Interest $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD tracking and LOX <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> copy of check** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD and XXXX of delivery have been provided. A copy of the refund check is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158226 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158226 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139810 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139810 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Sales Contract Addendum for the $XXXX seller contribution is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Contract Addendum** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139810 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance provided in the loanfile does not confirm required perils coverage is included. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CONDO MASTER POLICY** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139810 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145911 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the XXXX was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2145911 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2145911 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2145912 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145912 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145912 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145920 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145920 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145920 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145905 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145905 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Borrower's closing funds for the subject property are partially coming from a cash-out refinance of another owned property, which closed simultaneously. The loan file does not contain the Final HUD-XXXX from the cash-out refinance to verify the amount of funds that are available. Additional conditions could apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CD for refi of inv prop** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2145905 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152586 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152586 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152586 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145909 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145909 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145909 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142253 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142253 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142253 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144728 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144728 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144728 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142250 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142250 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142250 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144729 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144729 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144729 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154533 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154533 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154533 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142252 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142252 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142252 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154530 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154530 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154530 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154532 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154532 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan. The loan is a compliant HPML. Prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154532 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154532 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153089 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153089 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153089 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153087 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153087 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153087 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153088 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153088 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153088 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086349 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) |  |  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2086349 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contain a Fraud Alert which have not been adequately addressed in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> doc provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2086349 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The address on the current Hazard Insurance policy is incorrect. Per the Note, Mortgage, Final Settlement Statement, and XXXX. the subject property's address is XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX. Per internet search and the borrower's bank statements reflecting the current address, these property's reflect the same address. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2086349 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The verification of rent provided reflects the incorrect property address, XXXX, XXXX XXXX XXXX. Per the borrower's bank statements and income documentations, the primary address is XXXX, XXXX XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> VOR provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2086349 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU Score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2089896 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Lender's Title Insurance $XXXX, Settlement Fee $XXXX, Survey Fee $XXXX, Title Courier Fee $XXXX, XXXX Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cic provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per Original LE date XXXX/XXXX closing costs expired on XXXX/XXXX. Another LE was provided on XXXX/XXXX with updated fees. There is no violation. <br>Rebuttal XXXX (XX/XX/XXXX XX:XXPM)<br> progressive land title agency is listed but they used XXXX offices of XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A valid change of circumstance was not provided in the loan file. The COC for the Survey Fee was accepted and applied to testing. However, a valid COC for the increase/ addition to the following fees is not considered valid without more details: XXXX $XXXX, Settlement Fee $XXXX, Title Courier Fee $XXXX, XXXX Fee $XXXX. Please provide details as to why the fees were increased A cost to cure in the amount of $XXXX, XXXX is remains. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The explanationprovided is not sufficient to cure the finding. Once the consumer has indicatedan intent to proceed, any Loan Estimates issued thereafter should not includean expiration date of loan costs. The Disclosure Tracker provided indicates XXXX was signed on XX/XX/XXXX making the LE expiration of XX/XX/XXXX invalid. A cost to cure in the amount of $XXXX, XXXX isrequired. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089896 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089896 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: XXXX Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089896 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX% LTV when XXXX allowed is XXXX% when the borrower lives rent free. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: DTI XXXX%, XXXX, XXXX months reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2089896 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 FNMA CU Score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093315 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093315 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> icd provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD provided<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> There was no change to the APR, the only change was the funding date. The date in which it was signed or viewed should not be needed as the changes were only material <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> We provided proof the borrower received it) via e-sign. They signed and dated after closing, but would not change the signing date. <br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> The change from the CD issued XXXX/XXXX and signed at close on XXXX/XXXX to the CD issued XXXX/XXXX was immaterial. Hazard insurance went from paid at close to paid outside of close. This should be considered a PCCD with no requirement for borrower signature.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial CD issued on XX/XX/XXXX5 has been provided; the Initial CD is not causing the timing violation. The CD issued on XX/XX/XXXX does not have a receipt date provided and the mailing rule has been applied. Please provide receipt date of the CD issued on XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The e-receipt for the CD issued on XX/XX/XXXX5 is XX/XX/XXXX; this is after consummation. . Receipt of the CD issued on XX/XX/XXXX issued on the day of consummation is needed to confirm the borrower received the CD on or prior to consummation of XX/XX/XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Per (§ 1026.19(f)(2)(i)) For any other changes before consummation that do not fall under the three categories above (i.e., related to the APR, loan product, or the addition of a prepayment penalty), the creditor still must provide a corrected Closing Disclosure with any terms or costs that have changed and ensure that the consumer receives it. For these changes, there is no additional three-business-day waiting period required. The creditor must ensure only that the consumer receives the revised Closing Disclosure at or before consummation. (§ 1026.19(f)(2)(i); Comment 19(f)(2)(i)-XXXX through - XXXX. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Evidence the borrower received the CD issued on XX/XX/XXXX on or prior to closing is required. . Per 1026.19(f)(1)(ii)(A), corrections that occur prior toclosing must be received by consumer no later than consummation. Disclosuresthat are electronically sent will follow the mailing rule XXXX unless evidence is provided the consumer actually receivedit as evidence by viewing/acknowledging the document. Since CD issued onXX/XX/XXXX is the Final CD; evidence that the borrower received thisdisclosure on or before the closing date of XX/XX/XXXX is required. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093315 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> PCCD provided with cure added** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The LOE, Proof of Delivery and copy of the refund check have been provided. The PCCD is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093315 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093315 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2148783 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The escrow section on the disclosure does not have one of the two boxes checked stating whether the reason they will not have escrows is because they declined it or because the lender does not offer it. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2148783 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> LOE uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Although the reason for the increase to the Appraisal fee for a XXXX is a valid reason; the COC letter/Invoice is dated XX/XX/XXXX and the fee was not disclosed until the LE issued on XX/XX/XXXX; this is not within XXXX days as required. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2148783 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2148783 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139969 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The PCCD issued on XX/XX/XXXX does not reflect the correct Disbursement Date. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2139969 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX and XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Points increase on XX/XX/XXXX and points increase on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> disclosures<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX lock confirmation dated XX/XX/XXXX is not relevant as this is a non-del file. XXXX sent the disclosures to borrower not XXXX.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see proc cert attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC dated XX/XX/XXXX and CD issued on XX/XX/XXXX have been provided for a increase to the Points - Loan Discount fee and have a valid reason; however, the Lock confirmation in the loan file is dated XX/XX/XXXX, the increase was not disclosed within XXXX days of the change. A cost to cure int he amount of $XXXX, XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Rate Lock confirmation is XX/XX/XXXX; a COC is required to be disclosed to the borrower within XXXX days of a change. The borrower should have received a CD disclosing the Rate Lock Confirmation increase in Points within XXXX days of XX/XX/XXXX. A cost to cure in the amount of $XXXX, XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The document provided stating that the rate officially locked on XX/XX/XXXX was used to accept the increase of Points on XX/XX/XXXX. However points increased again on XX/XX/XXXX. COC in the file stating the rate was extended was dated XX/XX/XXXX which is not within XXXX days of re-disclosure on XX/XX/XXXX. Additionally Appraisal Review fee increased on XX/XX/XXXX without a valid reason. Cost to cure updated to $XXXX. (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2139969 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2139969 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2116819 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2116819 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial CD 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. Therefore, baseline did not reset as a result of the following decreases: Lender Credits, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial CD.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2116819 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> signed ICD provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2116819 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD 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. Therefore, baseline did not reset as a result of the following additions: Transfer Taxes and Credit Report, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required of which $XXXX was cured and $XXXX is still needed. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial CD.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Cure** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial CD has been provided and the loan is still failing the XXXX% tolerance violation. The Transfer Taxes were added on the CD issued on XX/XX/XXXX as a seller paid fee in the amount of $XXXX. The Transfer Taxes were changed to borrower paid without a valid COC. Please provide a valid COC or review. A cost to cure in the amount of $XXXX remains. (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2116819 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | XXXX for the borrower not verifying the minimum contribution of XXXX% as required per the guidelines. Client to approve downgrading of finding based on compensating factors. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX in verified reserves, $XXXX monthly residual income** | Comp Factors - DTI XXXX%, Owned Business XXXX yrs, Residual Income $XXXX |  | 3 | 2 | 3 | 3 |
| XXXX | 2116819 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2111930 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111930 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. The XXXX reflects the borrower was receiving rental income for the investment property at XXXX, $XXXX per month. Per the lender's guidelines a copy of the lease and three (XXXX) months of proof of the receipt of rental income is required. The lease agreement reflects the lease began XX/XX/XXXX. Note date XX/XX/XXXX. Evidence of the first month's rent, security deposit and December's rental payment should have been provided. The loan file did not contain the required documentation. Without the rental income the DTI increases to XXXX% which exceeds the maximum XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Evidence of the first month's rent, security deposit and December's rental payment not reflected on bank statement provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2111930 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Power of Attorney | XXXX | The subject loan closed using a POA. Per the lender's guidelines the borrower may use an attorney-in-fact, who is an authorized person to act by a power of attorney, to sign documents on their behalf at closing based on certain circumstances, such as active military duty, where the service member is on overseas duty or on an unaccompanied tour and cannot be present to execute loan documents at the closing. To complete the loan transaction using an attorney-in-fact the following requirements must be met: The borrower must explain the hardship for the use of a POA, describing why the borrower was unable to execute documents in person and at least one borrower on the transaction must physically sign the loan documents, unless the borrower is military service member on active duty and the attorney-in-fact is the service member's relative. The letter of explanation does not explain the hardship for use of the POA, only stating he is traveling out of the country. There is no indication in the loan file that the borrower is on active military duty. Additionally, the loan is in the borrower's name only; therefore, there is not another person on the transaction that can physically sign the documents. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> POA was approved by title - see page XXXX of this email document. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Unable to clear without the Hardship Letter. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Letter provided must be approved by the Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | XXXX. XXXX months of reserves. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2111930 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139971 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has a XXXX prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum prepayment penalty amount of XXXX, the loan has a prepayment penalty amount of XXXX. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2139971 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2139971 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155518 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX have the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> rider will be recorded with correct ALR page XXXX, see email attached.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155518 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155518 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123315 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX and XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT pages provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Page XXXX provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Pg. XXXX and XXXX have been provided; Pg. XXXX and XXXX ae missing. Please provide pg. XXXX for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123315 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2123315 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123315 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing pages XXXX-XXXX of the Guaranty Agreement for XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123315 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The seller concessions exceed the XXXX% guideline for an LTV over XXXX%, by $XXXX. Allowed concessions are $XXXX. Seller Contribution $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX% of $XXXX is $XXXX and we are within the XXXX%** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Total buyer's costs were $XXXX. Total concessions of $XXXX were under XXXX% and under buyer's costs. (Void)** |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123315 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133442 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2133442 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133442 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125265 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The Notarized signature of one of the Authorized Persons is missing from the Security Instrument. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125265 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The signature of one of the Authorized Persons is missing from the Assignment of Rents Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2125265 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2125265 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121278 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121278 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121278 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144442 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144442 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - Missing | XXXX | The loan file is missing the required gift letter for the gift of $XXXX indicated per the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX, this was not gift funds** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144442 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136992 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136992 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The Final Hud-XXXX reflects Seller Contributions for $XXXX, however, the contract addendum in file dated XX/XX/XXXX indicates the Seller Contribution amount was reduced from $XXXX to $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Original contract shows $XXXX and the addendum is for the additional $XXXX = $XXXXk** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)** |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136992 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127945 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127945 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127945 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125272 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125272 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125272 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137626 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137626 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137626 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125246 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2125246 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2125246 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2129548 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit report fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CURE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2129548 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The flood insurance policy provided expired as of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129548 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for rent free borrower acquiring an investment property. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: XXXX, DTI XXXX%, Reserves exceed XXXX months |  | 3 | 2 | 3 | 2 |
| XXXX | 2129548 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2125261 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125261 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125261 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133444 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2133444 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2133444 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 Desk Review dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2127929 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127929 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127929 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136990 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136990 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136990 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122542 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122542 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please waive** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2122542 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The file is missing the required EIN/W9 for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2122542 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129570 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The 1st page of the Assignment of Rents lists the borrower as an Individual; the entity name should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity is named on page XXXX of XXXX of the rider as assignor. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> intent to rerecord, ALR rider** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Mortgage and all riders including the Assignment of Rent rider must accurately reflect the borrower name. The borrower is an Entity; pg. XXXX of the rider should reflect the name of the rider. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The name on page one of the assignment of rents does not match the name on the mortgage nor the signature page of the assignment of rents. Page one indicates an individual executed the rider, however it was executed by a member of teh entity. Please provided an updated page XXXX that matches the entity or as a authorized person. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding.The Assignment of Leases and Rents rider has been reviewed and acceptable. The Letter of Intentcannot be used to cure the exception, re-recording the document is thecure. Please provide evidence when the documents have been recorded. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129570 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129570 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144678 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender Cure docs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144678 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144678 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129538 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129538 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129538 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 CDA came in well over the appraised value therefore the client elected to have a Field Review completed and it supported the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144664 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Appraisal fee, XXXX fee, and Credit Report fee. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured at closing. There is a remaining cost to cure in the amount of $XXXX required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Refund uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The reimbursement amount of $XXXX for the increase to the XXXX fee and Credit Report fee has been applied to the tolerance violation. However, a Second Appraisal fee in the amount of $XXXX was added to the Final CD issued on XX/XX/XXXX and does appear to have been disclosed within XXXX days of knowledge of this fee. The Second Appraisal Invoices in the original loan file are dated XX/XX/XXXX and XX/XX/XXXX which indicates the lender knew of the charge at this time. A cost to cure int he amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The reimbursement amount of $XXXX for the increase to the XXXX fee and Credit Report fee has been applied to the tolerance violation. However, a Second Appraisal fee in the amount of $XXXX was added to the Final CD issued on XX/XX/XXXX and does appear to have been disclosed within XXXX days of knowledge of this fee. The Second Appraisal Invoices in the original loan file are dated XX/XX/XXXX and XX/XX/XXXX which indicates the lender knew of the charge at this time. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2144664 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Investor guidelines require a gap credit or undisclosed debt monitoring report to be pulled no more than XXXX days prior to the loan closing. The loan file contains an updated credit report pulled XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144664 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception. Investor guidelines state a purchase transaction on a second home must be a non-arms length transaction with no affiliation between the borrower and the seller. The subject transaction the borrower is the son of the seller. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: Strong FICO 777- Good reserves XXXX months- No lates in mortgage history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2144664 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception. Investor guidelines state properties greater than XXXX acres are ineligible. The subject property is XXXX acres. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: Strong FICO 777- Good reserves XXXX months- No lates in mortgage history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2144664 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151733 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Points, XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs provided.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC dated XX/XX/XXXX is valid for the increase to the Points- Loan discount Fee; however, the disclosed increase on the CD issued on XX/XX/XXXX is not within XXXX days as required. The cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151733 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects two new loans with XXXX; XXXX for $XXXX with a monthly payment of $XXXX and XXXX for $XXXX with a monthly payment of $XXXX. Per the lender's guidelines the existing property PITIA (principal, insurance, taxes, insurance, and HOA dues) payment must be counted as part of the borrower's recurring monthly debt obligations. The loan file did not contain documentation to verify these monthly payments. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151733 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151734 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151734 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects two new loans with XXXX; XXXX for $XXXX with a monthly payment of $XXXX and XXXX for $XXXX with a monthly payment of $XXXX. Per the lender's guidelines the property PITIA (principal, insurance, taxes, insurance, and HOA dues) payment must be counted as part of the borrower's recurring monthly debt obligations. The loan file did not contain documentation to verify these monthly payments. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> REO CDs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151734 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151735 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151735 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects two new loans with XXXX; XXXX for $XXXX with a monthly payment of $XXXX and XXXX for $XXXX with a monthly payment of $XXXX. Per the lender's guidelines the property PITIA (principal, insurance, taxes, insurance, and HOA dues) payment must be counted as part of the borrower's recurring monthly debt obligations. The loan file did not contain documentation to verify these monthly payments. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> REO CDs** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2151735 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133452 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133452 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133452 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125271 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125271 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2125271 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137638 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137638 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137638 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136025 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2136025 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2136025 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144408 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144408 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Lender's Exception - Lender allowed the borrower not to payoff the disputed Amex tradelines in the combined total amount of $XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating factors: XXXX months of reserves, $XXXX residual income per month, Low DTI |  | 3 | 2 | 3 | 2 |
| XXXX | 2144408 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Per Lender's guides, the max LTV for borrowers living rent free is XXXX%. The borrowers are living rent free and were qualified with XXXX% LTV, which exceeds the max of XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, $XXXX residual income, $XXXX verified reserves,** | Compensating factors: XXXX months of reserves, $XXXX residual income per month, Low DTI |  | 3 | 2 | 3 | 2 |
| XXXX | 2144408 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, borrowers living rent free at their principal residence is required to provide a letter from the owner of the property stating the borrower is living rent free. The loan file obtains a letter for the borrower. However, the loan file does not contain a letter or any supporting documentation stating the co-borrower has been living rent free for XXXX years at XXXX, XXXX XXXX, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144408 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126962 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Assignment of Leases and XXXX is missing page XXXX of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126962 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. The XXXX #XXXX dated XXXX/XXXX - XX/XX/XXXX (beginning balance $XXXX) reflected large deposits on XX/XX/XXXX a wire for $XXXX; a deposit XX/XX/XXXX $XXXX; a wire XX/XX/XXXX $XXXX. The loan file did not contain documentation to source the deposits. Per the lender's guidelines unusually large deposits in bank accounts being used to qualify may require a letter of explanation or evidence they are business related. Large deposits unsourced may be backed out from the ending balance. Omitting the large deposits results in the borrower being short $XXXX in assets. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126962 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for housing payment history. Per the lender's guidelines a XXXX-month housing history is required. The XXXX reflects the borrower owns the primary residence for XXXX months and prior had no primary housing expense for over XXXX years. However, a private party VOR was provided. Per the lender's guidelines if the source of the VOR is a party other than a professional management company, then XXXX months of borrower's canceled checks or bank statements are required. The file contained receipts reflecting the borrower paid $XXXX monthly in cash from XX/XX/XXXX - XX/XX/XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating factors: Excellent credit; XXXX% revolving credit utilized |  | 3 | 2 | 3 | 2 |
| XXXX | 2126962 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2131376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2131376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139970 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139970 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139970 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133297 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133297 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133297 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127946 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127946 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2127946 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144428 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX has the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144428 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX Months prepayment term, the loan has a XXXX Months prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2144428 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contain a fraud alert which has not been adequately addressed in the loan file. Per the lender's guidelines if the borrower has an alert present on his/her credit report, then the underwriter must complete the FACTA Fraud Alert Verification form to independently verify the borrower's identity before issuing a clear to close. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> form** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144428 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan applicationXXXXs XXXX for $XXXX with a monthly payment of $XXXX. The loan file contained a copy of the note reflecting the principal and interest payment; however, documentation to confirm taxes, insurance and HOA dues were not in the loan file. Per the lender's guidelines the existing property PITIA (principal, interest, taxes, insurance, and HOA dues) payment must be counted as part of the borrower's recurring monthly debt obligations. The loan file did not contain documentation to verify these monthly payments. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Additionally, see loan XXXX for confirmation of no HOA dues.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144428 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per the lender's guidelines an OFAC search is required for borrowers, guarantors and any member of the borrowing entity owning XXXX% or more. Title is held in the name of XXXX. The operating agreement shows XXXX has XXXX% ownership interest. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC for XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144428 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136995 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Notary Acknowledgement Date reflect XX/XX/XXXX; however, the Borrower(s) dated their signature on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2136995 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase and/or addition to the following fees was not accepted: Title-Abstract or Title Search Fee, Title-Administration Fee, Title-Attorney's Fees, Title-Delivery Fee, Title-Opinion Fee, Title-Title Search Fee, and Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower shopped for fees <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> SSPL provided indicating the borrower chose. We the lender do not chose the escrow agency, therefore would not be responsible of this and fees are not held to XXXX%<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX offers attorney services. As such, and appropriate company/provider was in fact disclosed; therefore no cure should be needed.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> cure docs provided <br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> check provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. There is a signed Attorney Preference disclosure stating the borrower does not exercise their right to select an attorney. If the borrower selects "we have no preference" that means the Lender is choosing the XXXX aka XXXX (XXXX%). This will be even if the company on the CD is not listed on the SPL. A cost to cure in the amount of $XXXX (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> It appears it looks like the borrower was given a choice (given the XXXX disclosure), but given that XXXX requires an attorney and no attorney was listed on the SPL, it seems that the XXXX% is the correct tolerance bucket rather than the unlimited bucket. The unlimited would have been acceptable had an attorney been listed on the SPL, but we don't agree listing a title company in an attorney state is close enough to accept an argument that they are equivalent. We note that Comment XXXX to 1026.19(e)(3)(iii) provides that "If the creditor permits the consumer to shop consistent with § 1026.19(e)(1)(vi)(A) but fails to provide the written list required under § 1026.19(e)(1)(vi)(C), good faith is determined under § 1026.19(e)(3)(ii) [i.e., XXXX%] instead of § 1026.19(e)(3)(iii) [i.e., unlimited]…" So, while again it seems that the creditor did permit the consumer to shop, the creditor didn't provide an attorney name on the SPL. As a result, or stance is the foregoing Comment would apply and the XXXX% tolerance should be applied in this instance. A cost to cure in amount of $XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> With the explanation provided, title fees have been moved to unlimited tolerance. However, the Survey fee being moved to Section C (required fees for closing) and without a Survey provider listed on the SPL, the Survey fee was added to the XXXX% bucket. If a Survey was not required as previously stated, then Section H/Other would be where the fee would reflect this. Cost to cure updated to $XXXX. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD, and XXXX have been provided. The Check Invoice provided is unacceptable as a copy of the refund check. A copy of the refund check is requited for review. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2136995 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Survey Fee and State Tax/Stamps. In addition, although there was a valid reason for the addition of the Appraisal Final Inspection Fee the CD issued XX/XX/XXXX was not disclosed within XXXX days of the change that occurred. Per the Appraisal Review on XX/XX/XXXX the Appraisal was completed XXXX to. Also the XXXX dated XX/XX/XXXX reflects the Final Inspection Fee of $XXXX was paid on XX/XX/XXXX. A cost to cure in the amount of $XXXX was required of which $XXXX was cured on the CD. A cost to cure in the amount of $XXXX is still required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> $XXXX was applied for the transfer tax. The survey was not required by the lender, therefore the borrower shopped and there should be no tolerance for this. Please confirm cure of $XXXX needed for app reinspection fee <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> This was an error and corrected on the XXXX/XXXX CD. We do not require a survey, and the borrower chose to shop and the fee was corrected to the right section<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Updated CD with survey fee in correct section; please confirm correct cure amount. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Cure docs provided<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Documents provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Survey fee was disclosed on the CD issued on XX/XX/XXXX in Section B indicating the borrower was not allowed to shop the fee and held to XXXX% tolerance. A total violation in the amount of $XXXX. XXXX of which $XXXX was reimbursed at closing. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Survey fee was disclosed on the CD issued on XX/XX/XXXX in Section B indicating the borrower was not allowed to shop the fee and held to XXXX% tolerance. A total violation in the amount of $XXXX. XXXX of which $XXXX was reimbursed at closing. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. If a survey was not required for the closing then a PCCD needs to be issued reflecting it in Section H in the Other section where non-required fees would be listed. With the fee being in Section C (required fees for closing) and without a provider listed on the SPL for Survey fee, the Survey is subjected to XXXX%. Cost to cure updated to $XXXX. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. If a survey was not required for the closing then a PCCD needs to be issued reflecting it in Section H in the Other section where non-required fees would be listed. With the fee being in Section C (required fees for closing) and without a provider listed on the SPL for Survey fee, the Survey is subjected to XXXX%. Cost to cure updated to $XXXX. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD, and XXXX have been provided. The Check Invoice provided is unacceptable as a copy of the refund check. A copy of the refund check is requited for review. (XXXX)<br>Response 6 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2136995 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject transaction is the purchase of a primary residence utilizing the XXXX-month business bank statement program. The borrower's departure residence and business are in XXXX; however, the subject property is in XXXX. Per the lender's guidelines if the borrower is relocating to a different geographical area, prior to considering the income for qualifying purposes, at a minimum the underwriter must: XXXX) Consider and evaluate the acceptance of the company's service or products in the marketplace. Additional information, such as market studies or relevant industry research may support this evaluation XXXX) Provide a written explanation from the borrower, justifying that the borrower's income will continue at the same level in the new location. The loan file did not contain evidence the underwriter considered the impact of relocation and did not contain a LOE from the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136995 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129565 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2129565 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower is a permanent resident alien. The front of the card provided; however, the back of the card is also required per the guidelines and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2129565 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | For purchase transaction, hazard policy must extend for a minimum of XXXX months from the date of closing. Date of closing XX/XX/XXXX and hazard policy expire date XX/XX/XXXX which is less than XXXX months from the date of closing. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, $XXXX verified reserves** | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2129565 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2137627 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2137627 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV. The subject transaction is the purchase of an investment property with a qualifying credit XXXX and a maximum allowable LTV/LCTV of XXXX%. The appraisal reflects the subject property is in a declining market which requires a XXXX% reduction to the LTV/CLTV. As a result, the maximum allowable LTV was XXXX%. The subject loan was approved with at XXXX% LTV/CLTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; XXXX higher than XXXXx and at least 0.1x higher than guideline minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2137627 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144406 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144406 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring report required within `XXXX days prior to loan closing or any time after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144406 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please void, this is not a requirement.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Not required for XXXX. (Void)** |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144406 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy provided includes dwelling coverage up to $XXXX with a replacement cost estimate of $XXXX. Investor guidelines require coverage of the lessor of the replacement cost or the unpaid principle balance of the mortgage which is $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> updated** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144406 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception allowing for the square footage of units to be smaller than XXXX. dt. per unit. The subject has XXXX units with #XXXX and #XXXX being XXXX. ft. each. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: Good XXXX- XXXX reserves XXXX months- Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2144406 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142406 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The notary page for each borrower has reference to a borrower that did not sign. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage was corrected before recording. Note, the ALR rider is in process of being re-recorded. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Mtg rerecorded** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The corrected Mortgage has been provided. However, the notary section is incorrect. The borrower, XXXX, signed the Mortgage XX/XX/XXXX and the notarization for this borrower is dated XX/XX/XXXX. The borrower, XXXX, signed the Mortgage XX/XX/XXXX and the notarization for this borrower is dated XX/XX/XXXX. The notarization cannot be dated prior to the date of signing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142406 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The 1st page of the Assignment of Rents lists the borrowers as an Individual; the entity name should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ALR rider rerecorded** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142406 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142406 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139475 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139475 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert which has not been adequately addressed in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> facta form** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139475 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129572 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129572 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2129572 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137005 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD 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. Therefore, baseline did not reset as a result of the following decrease: Lender Credit. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137005 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTAHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137005 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD 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. Therefore, baseline did not reset as a result of the following addition: Loan Discount Points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137005 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The subject loan does not meet Program Parameters for use of business assets. The subject transaction is the purchase of a primary residence. Per the lender's guidelines less than XXXX% ownership requires an access letter from partners allowing the use of the business funds by the borrower. The business account with XXXX #XXXX, in the name of XXXX was used towards reserves. The Operating Agreement confirms the borrower is XXXX% owner of the business. An access letter from the other partner was not found in the loan file. Additionally, a signed letter from a CPA/licensed tax preparer or a satisfactory Cash Flow Analysis (CFA) completed by the underwriter is required to verify that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations. As a result, the borrower was short $XXXX in reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137005 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136004 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136004 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file is short required reserves of $XXXX. POC $XXXX, Cash to Close $XXXX and Reserves = $XXXX and assets provided from XXXX account only $XXXX therefore short reserves of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> updated assets** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136004 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137006 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2137006 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | The file does not contain authorization for funds access from business holder. A business account with XXXX #XXXX was used for funds to close. Per the lender's guidelines assets from the borrower's business are acceptable source of funds for the down payment, closing costs, and reserves provided the following requirements are met: Less than XXXX% ownership requires an access letter from partners allowing the use of the business funds by the borrower. The CPA Letter and Business Narrative reflected the borrower was XXXX% owner of the business. An access letter for use of business funds from the other business owner is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Letter provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2137006 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Earnest Money Deposit | XXXX | The earnest money deposit was not properly documented and/or sourced. The subject transaction was the purchase of a for sale by owner, purchased by the borrower from the current landlord. Therefore, the transaction is non-arm's length and at-interest party transaction. Per the lender's guidelines for this type of transaction a cancelled check verifying the earnest money deposit is required. The loan file only contained a bank statement showing a $XXXX withdrawal was made; however, a copy of the check was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2137006 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing history. The subject transaction was the purchase of a for sale by owner, purchased by the borrower from the current landlord. Therefore, the transaction is non-arm's length and at-interest party transaction. Per the lender's guidelines a VOR is not acceptable. Cancelled checks are required to prove timely payments. The loan file contained did not contain a cancelled check for December and February rent payment of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Dec and Feb payments** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2137006 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject transaction was the purchase of a for sale by owner, purchased by the borrower from the current landlord. Therefore, the transaction is non-arm's length and at-interest party transaction. Per the lender's guidelines a letter of explanation is required indicating the relationship between buyer and seller. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2137006 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136994 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136994 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136994 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137013 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137013 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137013 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155530 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155530 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a property that is less than XXXX square feet, the subject is a condo at XXXX square feet. Determined non-material based on compensating factors. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** |  | Compensating factors: XXXX, LTV 3 2 3 2 |  |  |  |  |  |
| XXXX | 2155530 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153253 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The No Escrow Table is inaccurate. There is no box checked as to if XXXX's were declined or your lender does not offer one. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153253 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153253 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2136997 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136997 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The guidelines indicate when the appraisal reflects legal non-conforming zoning for the subject property; a letter must be obtained from the local building authority or appraiser to confirm that the property can be rebuilt "as is" in the event of partial or total destruction. The loan file is missing a letter confirming the property can be rebuilt "as is" in the event of partial or total destruction. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> letter provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136997 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141278 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Collateral desktop analysis. The loan fails the prohibited fees test by $XXXX. The loan charged more than one appraisal fee. (XXXX Fin. Code §XXXX) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2141278 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) | XXXX | The loan failed the Revised Closing Disclosure delivery date test (waiting period required). A Loan Product Change required a revised Closing Disclosure. The XXXX CD issued on XX/XX/XXXX was not received by the borrower at least three business days prior to the Consummation Date, XX/XX/XXXX. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Waiting period was not required to be re-opened as the loan product did not change as it is still a fixed rate loan. See final Mavent compliance report, "Corrected Closing Disclosure No Later Than XXXX Business Days Before Consummation (Inaccurate Loan Product)(1000611)" top of page XXXX of XXXX to confirm.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Change from interest-only to non-interest-only constitutes a change in amortization and a disclosed loan product feature under §1026.37(a)(10), triggering a new XXXX-day waiting period under §1026.19(f)(2)(ii)(B). (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2141278 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The lender's name as the proposed insured and the proposed insured amount is missing from the title commitment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> supp title** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2141278 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2139472 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139472 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | The file does not contain authorization for funds access from the business holder. A business account with XXXX #XXXX and XXXX CU #XXXX was used for funds to close and reserves. Per the lender's guidelines assets from the borrower's business are acceptable source of funds for the down payment, closing costs, and reserves provided the following requirements are met: Less than XXXX% ownership requires an access letter from partners allowing the use of the business funds by the borrower. The CPA Letter and Business Narrative reflected the borrower was XXXX% owner of the business. An access letter for use of business funds from the other business owner is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX is XXXX% owner and only XXXX% of the business assets were used which the borrower is entitled to by there ownership. CPA letter is also in file confirming no negative impact by the use of business assets. This was documented on the XXXX.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139472 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2151737 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2151737 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2151737 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2137630 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137630 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137630 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2133459 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133459 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for use of rental income to qualify when the property has been owned since XXXX/XXXX and borrower recently started renting the property on XX/XX/XXXX. Only XXXX month of documented receipt for rental income & security deposit is provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: Borrower has worked in same job more than XXXX years, Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2133459 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142412 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142412 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The subject appraisal reflects the lender/client to be "XXXX". According to the note the lender is "XXXX.". The loan file did not contain a transfer letter. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142412 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153254 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153254 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153254 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155532 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155532 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155532 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137636 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137636 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137636 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2151738 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2151738 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Guidelines require a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> gap cr** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2151738 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The file contains the front of rent checks made out to an individual; however, not cancelled checks as required per the guidelines. File does contain bank statements with XXXX confirming; however, just XXXX checks cleared verified not XXXX months as required per the guidelines. Verification of XXXX months rental payments not documented according to the guidelines for the co-borrower. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX residual income, $XXXX reserves** | XXXX Score. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2151738 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2137641 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137641 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137641 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137637 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137637 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137637 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137642 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137642 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137642 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139975 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Credit Report fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> correct cure amount is XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2139975 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2139975 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144432 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Assignment of Rents Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ALR** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144432 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144432 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142413 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> econsent, ICD** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142413 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD 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. Therefore, baseline did not reset as a result of the following additions/increases: Points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD issued/viewed on XXXX/XXXX** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142413 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for a cash-out refinance. The loan file contained an escrow waiver. The title cert reflected the property taxes were delinquent. The closing disclosure reflected delinquent property taxes paid to XXXX. Per the lender's guidelines no portion of the loan proceeds may be used to pay delinquent property taxes (taxes past due more than XXXX days) on a cash-out refinance transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Only supplemental tax of XXXX paid at closing was delinquent, the general property taxes are current. Escrow for insurance only however there was no pricing hit for escrow waiver.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> An Investor exception will be required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, XXXX qualifying credit score, $XXXX monthly residual income, self-employed XXXX years** | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2142413 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152710 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152710 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI exceeds Originator Guidelines. The DTI was XXXX% and the LTV was XXXX%. The maximum DTI allowed is XXXX% for an LTV over XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152710 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The guidelines indicate when the Borrower is currently renting, the most recent XXXX months or a portion of the last XXXX months in which the borrower was renting must be documented. In addition, if the source of the VOR is a party other than a professional management company, then XXXX months of borrower's canceled checks or bank statements is required. The XXXX currently rents from a private landlord and the loan file only contains bank statements verifying the most recent XXXX months payments (XX/XX/XXXX - XX/XX/XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOR provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152710 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141266 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141266 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141266 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141231 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: XXXX (XX/XX/XXXX). A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141231 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141231 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144451 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX have the individuals listed as the borrowers on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ALR to be re-recorded** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144451 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2144451 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144451 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153267 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report was paid FBO the Broker. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153267 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153267 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154920 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX . The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154920 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The DTI did not reflect all the borrower's debts resulting in a DTI that exceeds allowable tolerances. At origination, the following revolving debts were omitted from the borrower's DTI: XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX #XXXX, XXXX/XXXX #XXXX, XXXX #XXXX, and XXXX #XXXX. Per the lender's guidelines if the debt is reflected on the borrower's personal credit report, the borrower is personally liable for the debt, and it must be included in the debt-to-income ratio. Only business debts can be omitted if it can be tied to business related activities (i.e. – vehicle, residential mortgage debt). There is no indication that the credit cards are related to business activity. As a result, these monthly obligations should be included in the DTI. Including the omitted liabilities results in a DTI of XXXX% which exceeds the maximum allowable of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> LOX provided does not contain supporting documentation. Evidence that the business covers all referenced debt and mortgage payment. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154920 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144671 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144671 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144671 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141252 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141252 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141252 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155521 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155521 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155521 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154902 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Electronic Document Delivery Fee $XXXX, Recording Service Fee $XXXX, Flood Certification $XXXX, Loan Origination Fee $XXXX, Mobile Signing Fee $XXXX, Prepaid Interest $XXXX , Processing Fee $XXXX, Settlement Fee $XXXX, Tax Service Fee $XXXX, Courier Fee $XXXX, Underwriting Fee $XXXX, and XXXX Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Mavent report provided states that the disclosed finance charge is $XXXX, however that is not the disclosed amount on the final CDs. The CD issued at closing dated XX/XX/XXXX (version XXXX with cash to close $XXXX) as well as the PCCD issued on XX/XX/XXXX has a disclosed finance charge of $XXXX. Cost to cure remains. (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2154902 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for overdraft and NSF limits being exceeded. Borrower evidences XXXX ODs and XXXX in the most recent XXXX moperiod. Guidelines limit XXXX for both per XXXX XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)** |  | Compensating Factors: Reserves exceed XXXX months, DTI XXXX%, Residual income exceed $XXXX |  | 3 | 2 | 3 | 3 |
| XXXX | 2154902 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2139983 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139983 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139983 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139474 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139474 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139474 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154900 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154900 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154900 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148786 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The entity name and the signor's title is not referenced in the signature section of the prepayment addendum to the note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> corr adden** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2148786 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower(s)' name(s) on the Security Instrument Assignment of Rents Rider page XXXX, is inconsistent with the Note. The Prepayment Rider does list the name of the borrower an entity, but rather lists the name of the entity member without respective title. The Prepayment Rider does not reference the entity name and the signor's title in the signature section. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PP & ALR Riders to be re-recorded** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2148786 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2148786 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155523 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155523 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155523 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141246 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cured** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141246 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141246 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX6 which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2137665 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137665 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing payment history. The loan application reflects the borrower owns their primary residence for XXXX months and the prior residence was owned for XXXX years. The credit report only reflects a mortgage history for XXXX months. A prior mortgage history was not reflected. Per the lender's guidelines the most recent XXXX months housing payment history must be documented for the primary residence with one of the following: credit report or credit supplement, loan payment history from the Lender/Servicer, most recent XXXX consecutive months of the borrower's canceled checks or bank statements, or a VOM. A XXXX-month housing payment history was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See rent free letter for prior XXXX months of missing VOM period** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137665 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Value is not supported within 10% of original appraisal amount. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142445 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - eConsent/Disclosure Timing Violation | XXXX | The eConsent obtained on XX/XX/XXXX, for the non borrower, was not dated until after the electronically delivered CD issued on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX accepted on XXXX/XXXX, see attached. NBS accepted on XXXX/XXXX not borrower.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142445 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The guidelines indicate properties without carbon monoxide (XXXX) detectors, smoke detectors, or proper strapping of water heater (as determined by the appraiser) are ineligible for financing. The appraiser noted within the appraisal report that only smoke detectors are required and were not observed. It should also be noted, The appraisal reflects that the subject property is "tenant" occupied vs. "owner" occupied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal revised & attestation attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142445 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The guidelines indicate a gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. The loan file is missing a gap credit or Undisclosed Debt Monitoring report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142445 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The Title Commitment, Schedule B reflects a required release or satisfaction of a lien in favor of the XXXX, SDFL, in the amount of $XXXX, recorded XXXX . The lien record date is prior to the XXXX's acquisition date (XX/XX/XXXX) of the property, however, it doesn't appear to have been addressed and the removal or deletion confirmed at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Affidavit** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142445 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152699 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152699 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. The loan file did not contain a gap credit report or Undisclosed Debt Monitoring report, dated no more than XXXX days prior to loan closing or any time after closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152699 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152700 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152700 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152700 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2137655 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2137655 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2137655 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155524 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155524 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155524 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155525 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155525 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155525 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153255 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153255 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153255 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154907 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal . A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The COC provided on XX/XX/XXXX does not provide a valid reason for the increase of the Appraisal fee without more details. The COC does not state why the fee increased. Provide information as to why the Appraisal fee increased. A cost to cure in the amount of $XXXX remains. (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2154907 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2154907 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2139477 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HUD provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139477 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | The loan file is missing the Final HUD-XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HUD provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139477 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154906 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154906 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum prepayment penalty amount of XXXX; the loan has a prepayment penalty amount of XXXX. The loan fails the prepayment test by XXXX. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154906 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX in file for a DSCR < XXXX. However, upon Audit Review, the DSCR is XXXX and an Exception would not be required. Client to approve downgrading finding based on compensating factors. ? | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception was cancelled because DSCR is XXXX** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> No finding or waiver required. (Void)** |  | Compensating Factors: XXXX XXXX, Experienced Investor, XXXX months PITI Reserves |  | 1 | 1 | 2 | 2 |
| XXXX | 2154906 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154905 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154905 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154905 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155526 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155526 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155526 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144696 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Prepayment Addendum to Note was signed as an Individual and not as a member of the Entity like the Note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> adden & tracking** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144696 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Prepayment Rider was signed as an Individual and not as a member of the Entity like the security instrument. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Settlement Agent corrected PP Rider before recording.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144696 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144696 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152707 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152707 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Guidelines require if the fraud report identifies any social security alerts, alert must be cleared. The XXXX Report picked up an alert on the borrower's SSN. Review of the underwriter summary reflects SSA89 required to clear the alert and is missing from the file. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, $XXXX residual income, XXXX qualifying credit score, Self-employed XXXX years, 0x30x89 mortgage history** | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2152707 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153256 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153256 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153256 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152703 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152703 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152703 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148768 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148768 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148768 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152701 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152701 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152701 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142418 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142418 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142418 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152702 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152702 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152702 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142432 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX has the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Recorded mortgage with correct page provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142432 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142432 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal to support the origination appraised value. The loan file did not contain a CDA. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CU score is a XXXX no CDA needed <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> CDA is not required because the CU score is under XXXX which is acceptable per our guideliines** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Section XXXX requires a CDA. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154923 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154923 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154923 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154909 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154909 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154909 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152704 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152704 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152704 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155528 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155528 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert which has not been adequately addressed in the loan file. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, $XXXX residual income** | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155528 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153269 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153269 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153269 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141274 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141274 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141274 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155529 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX to the mortgage reflected the borrowers' names as individuals on page XXXX of the rider; however, the names should have been reflected as the entity name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> corrective aff provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155529 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file. The appraisal refects the property as tenant occupied with a lease amount of $XXXX; however, a copy of the actual lease is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> This has been effective for over XXXX years, and is sufficient** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only a lease extension was provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Agreed. Documentation is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155529 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is missing. The loan file does not contain a copy pf the title commitment or policy as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Title provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155529 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144680 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144680 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144680 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144681 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144681 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144681 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152705 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | TheAssignment of Leases and XXXX have the individual listed as theborrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152705 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. Hazard policy provided does not reflect All Perils coverage. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive this is not needed** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Not required for XXXX. (Void)** |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152705 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2148775 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following:The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2148775 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD 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. Therefore, baseline did not reset as a result of the following increases: Transfer Taxes. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Confirm cost to cure<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Check attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial CD has been provided and updated testing still results in a XXXX% tolerance violation. The Transfer Taxes increased on the CD issued on XX/XX/XXXX. The COC provided in the loan file for the increase is dated after the increase XX/XX/XXXX and does not provide a reason why. Please provide a valid reason as to why the Transfer Taxes increased. A cost to cure in the amount of $XXXX. XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial CD has been provided and updated testing still results in a XXXX% tolerance violation. The Transfer Taxes increased on the CD issued on XX/XX/XXXX. The COC provided in the loan file for the increase is dated after the increase XX/XX/XXXX and does not provide a reason why. Please provide a valid reason as to why the Transfer Taxes increased. A cost to cure in the amount of $XXXX. XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD, and Poof of Delivery have been provided. A copy of the refund check is required. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2148775 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2148775 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152706 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152706 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Credit Report - Other. There are additional credit findings. The loan file did not contain a gap credit report or Undisclosed Debt Monitoring report, dated no more than XXXX days prior to loan closing or any time after closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152706 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152720 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152720 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152720 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155520 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155520 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155520 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152709 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit report fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2152709 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152709 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144691 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the rate lock delivery test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following change of fee: lender credits. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD and proof of delivery** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX has been provided. The COC issued on XX/XX/XXXX states there is a change in Lender Fees but does not disclose why the change occurred to determine if it is a valid reason. Please provide a detailed COC for review. A cost to cure in the amount of $XXXX remains. (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2144691 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the rate lock delivery test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following addition: loan discount points. A cost to cure in the amount of $XXXX is required. A Cost to cure of $XXXX was applied toward credit report fee increase. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD and proof of delivery** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX has been provided. The rate was locked on XX/XX/XXXX. The addition of the Points - Loan Discount fee in the amount of $XXXX, XXXX was not disclosed to the borrower within XXXX days as required. A cost to cure in the amount of $XXXX, XXXX remains. (XXXX)** |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2144691 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2144691 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2154930 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Collateral desktop analysis. The loan fails the prohibited fees test by $XXXX. The loan charged more than one appraisal fee. (XXXX Fin. Code §XXXX) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154930 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final CD and SS provided showing decreased recording fees** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154930 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The initial closing disclosure date XX/XX/XXXX is less than three business days before the consummation date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> icd provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154930 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Verification of the transfer and receipt of gift funds in the amount of $XXXX was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> gift provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154930 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152717 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152717 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152717 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155566 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155566 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The appraisal reflects the subject property is a SFR with one ADU. Per the appraiser comments this description is incorrect. The appraiser states the subject consists of two houses on one lot which is supported by the photographs. The one to the north has an address of XXXX and the one to the south an address of XXXX, each with their own electric and gas meter. The appraiser states the appraisal was completed has a SFR with an ADU at the lender's request. Per the lender's guidelines properties/lots with more than XXXX SFR/dwelling are generally not eligible. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX residual income** | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155566 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154910 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154910 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Business assets used for funds to close. Guidelines require one of the following to verify withdrawal of funds will not have a negative impact on the business and its operations and is missing from the file as required: signed letter from CPA/tax preparer, cash flow analysis completed by the underwriter, or other underwriter justification documented in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154910 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The lender reflected on the appraisal is XXXX and the Note reflects XXXX. An appraisal transfer letter from XXXX to XXXX. with AIR Cert is missing from the file as required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is the broker on this loan** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Guide does not require a transfer letter. (Void)** |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154910 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Credit report dated XX/XX/XXXX and loan closed XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Debt Monitoring report no more than XXXX days prior to the loan closing or anytime after and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154910 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Inquiries | XXXX | The credit report dated XX/XX/XXXX reflects a recent inquiry within XXXX days with XXXX on XX/XX/XXXX that was not addressed as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154910 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155531 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155531 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155531 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154911 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154911 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154911 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141268 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141268 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141268 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148779 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit report. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CURE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2148779 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2148779 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153260 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153260 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153260 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153262 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153262 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Credit report dated XX/XX/XXXX and loan closed XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Debt Monitoring report no more than XXXX days prior to loan closing or any time after closing and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153262 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155534 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155534 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155534 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155537 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155537 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155537 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155536 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155536 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155536 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155543 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155543 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155543 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154912 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154912 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet ProgramParameters for a cash-out refinance. The loan file contained an escrow waiver. The title reflected property tax liens from XXXX-XXXX. The closing disclosure reflected the tax liens were paid off at closing. Per the lender's guidelines no portion of the loan proceeds may be used to pay delinquent property taxes (taxes past due more than XXXX days) on a cash-out refinance transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX granted,by Investor. (Waived)** |  | XXXX. XXXX% LTV. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2154912 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152713 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit report. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CURE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2152713 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2152713 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154924 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154924 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154924 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148785 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148785 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148785 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155540 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The XXXX states that the borrower appeared before them on XX/XX/XXXX, but the borrower signed on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX has a date correction on the notary.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155540 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The CD issued on XX/XX/XXXX was not received by the borrower at least three business days prior to the Consummation Date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155540 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial Closing Disclosure 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. Therefore, baseline did not reset as a result of the following additions/increases: Points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155540 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155540 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155553 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155553 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Guidelines require a gap report or Debt Monitoring report no more than XXXX days prior to the loan closing or any time after and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> new inquiry after closing** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155553 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154916 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154916 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154916 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153265 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153265 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153265 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154914 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154914 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154914 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155571 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155571 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155571 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153266 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153266 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153266 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154915 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154915 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154915 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155541 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155541 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155541 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 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 XXXX Financial Code. The loan is compliant HPML. Escrow, appraisal. and prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155541 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155541 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152718 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152718 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152718 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is not required - please reivew** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Not required for the XXXX. (Void)** |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152718 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154918 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154918 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lease agreement provided for the subject property reflects "XXXX" as the XXXX and not the Borrowing Entity or Guarantor, "XXXX and/or XXXX. The loan file is missing Property Management Agreement between XXXX, XXXX and XXXX and/or XXXX or documentation to support XXXX and/or XXXX has ownership interest in XXXX, XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Property Management Agreement not required. (Void)** |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154918 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a current mortgage/rental history is required for the subject property and the Borrower/Guarantor's primary residence. Current means the borrower(s) have made all mortgage payments due in the month prior to the note date and are current as of the application date. The loan file is missing documentation to support the XXXX/XXXX payment was made for the Borrower's primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2154918 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154917 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154917 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154917 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154931 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> pccd provided** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154931 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154931 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153273 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153273 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153273 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155563 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2155563 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155563 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153275 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153275 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153275 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155564 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155564 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155564 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154938 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX is missing the Borrower's signature and date | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154938 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154938 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155550 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155550 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a current mortgage/rental history is required. Current means the borrower(s) have made all mortgage payments due in the month prior to the note date and are current as of the application date. The Borrower has a 1st XXXX mortgage and a XXXX on their primary residence. The loan closed XX/XX/XXXX and the loan file is missing evidence the XXXX/XXXX payment(s) were made on the 1st XXXX for the Borrower's primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155550 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154922 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154922 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154922 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154941 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154941 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Per guidelines if the property has an ADU there needs to be XXXX comparable provided that also has an ADU to demonstrate use is typical to the area. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: secondary valuation supports value, self-employed XXXX years, XXXXx30x44 months mortgage history, $XXXX monthly residual income** | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2154941 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155544 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Appraisal and Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155544 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for Minimum Borrower Contribution. The subject transaction was the purchase of a primary residence. Per the lender's guidelines borrowers must document a minimum of XXXX% (of the sales price) of their own funds on purchase transactions. The purchase price was $XXXX x XXXX% = $XXXX. A review of the CD reflects an EMD of $XXXX and gift funds $XXXX; the borrower received cash back at closing in the amount of $XXXX. As a result the borrower did not meet the minimum contribution required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, self-employed XXXX years,** | XXXX. XXXX% DTI. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155544 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154935 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154935 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject transaction is the purchase of a primary residence utilizing the XXXX-month business bank statement program. The borrower's business is in XXXX; however, the subject property is in XXXX. Per the lender's guidelines if the borrower is relocating to a different geographical area a written explanation from the borrower, justifying that the borrower's income will continue at the same level in the new location is required. The loan file did not contain evidence the underwriter considered the impact of relocation and did not contain a LOE from the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154935 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155568 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155568 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155568 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152716 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152716 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Credit Report - Other. There are additional credit findings. The loan file did not contain a gap credit report or Undisclosed Debt Monitoring report, dated no more than XXXX days prior to loan closing or any time after closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2152716 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153270 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153270 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153270 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155547 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155547 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX rate spread home loan test. (XXXX GS §XXXX-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXXX Rate Spread Home Loan Article section of the full XXXX report. Escrow and prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155547 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155547 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155567 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155567 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155567 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154926 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154926 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing Final HUD-XXXX as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> This is from the closing package, how is it not accurate?<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Doc provided** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The HUD provided is not accurate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> This is a cash-out transaction. The borrower did not bring $XXXX to closing. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154926 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154925 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154925 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154925 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155552 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155552 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155552 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155561 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155561 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155561 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155569 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155569 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Incorrect | XXXX | The title commitment does not reflect title insurance coverage that is equal to the loan amount. Title policy reflects $XXXX. XXXX is $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Title** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155569 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155554 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155554 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155554 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155556 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Page XXXX of the Loan Agreement was completed incorrectly. The borrower is an entity, but the agreement lists the borrower as a natural person. In addition, title to the property is held in XXXX, but the Entity Documents are missing. Unable to determine if signature(s) on the Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155556 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | Title to the Property is held in XXXX, but the Entity Documents are missing. Unable to determine if signature(s) on Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155556 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file did not contain any of the entity docs required for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155556 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155559 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155559 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2155559 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155559 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154943 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Per regulation, creditors using electronic delivery methods, such as email, must also comply with 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154943 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: The Loan Estimate was not received by the borrower at least four business days prior to the Consummation Date. The LE issued on XX/XX/XXXX was signed and dated XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. Per regulation, creditors using electronic delivery methods, such as email, must also comply with 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). > Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(4)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154943 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154943 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154933 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154933 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154933 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154934 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Land Survey. Reimbursement in the amount of $XXXX was provided at closing and remaining cost to cure in the amount of $XXXX is still needed. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154934 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The loan file is missing a XXXX month statement from XXXX XXXX-XXXX verifying an available balance of no less than $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154934 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154939 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154939 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Credit report dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or Undisclosed Debt Monitoring report no more than XXXX days from the loan closing or any time after closing and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM_LOE** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154939 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan closed as a XXXX year I/O with XXXX year I/O period then a XXXX year amortization. Borrower is a first-time homebuyer and guidelines don't allow this loan product for first-time homebuyers. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)** | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, XXXX qualifying credit score, $XXXX reserves, Self-employed XXXX years** | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2154939 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2145908 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145908 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145908 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145910 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145910 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | A properly executed sales contract is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SALES CONTRACT AND ADDENDUM** | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2145910 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145915 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145915 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145915 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139813 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139813 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing the homeowners insurance premium for the borrowers primary departure property to verify the complete PITI for qualifying. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello, at time of lock, we submitted the exception request to not include the properties under contract. They sold shortly after closing. I am attaching our email at time of bid. We have also uploaded the two CD& XXXX;s reflecting both properties sold. Once the properties are not included in the debt (reason for our requested exception) the DTI will be well below XXXX%. Borrower has close to $XXXX in reserves prior to closing. See attached page XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD from sale of XXXX XXXX. Concerning the exception - XXXX is the lender and made the exception.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CD's not received. Only email chains. Also, exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> CD's received. Properties sold. Exception not required. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139813 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The origination UW and the Final AUS/DU reflects the XXXX loan of $XXXX per month as omitted; however, the loan file does not document the primary borrower has paid the most recent XXXX months payments. Therefore, the debt must be included in qualifying as a result the DTI increased from XXXX% to XXXX%, which exceeds guideline maximums. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please refer to the docs submitted in the file. Daughter pays the student loan debt. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Hello, at time of lock, we submitted the exception request to not include the properties under contract. They sold shortly after closing. I&#XXXX;m attaching our email at time of bid. We have also uploaded the two CD&#XXXX;s reflecting both properties sold. Once the properties are not included in the debt (reason for our requested exception) the DTI will be well below XXXX%. Borrower has close to $XXXXM in reserves prior to closing. See attached page XXXX.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> CD from sale of XXXX. Documentation was previously uploaded as proof student loan is not paid by borrower. XXXX is the lender and made the exception, there is no other investor involved.** | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Excluding the student loan payment, the DTI is still XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> CD's not received. Only email chains. Also, exception must be granted by Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> CD's received. Properties sold. Exception not required. (Resolved)** |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139813 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145919 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145919 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145919 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2136918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - 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 report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |

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## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 3. Digital Risk Rating Agency Report**

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Compliance Grade(DBRS Morningstar)** | **Final Compliance Grade(DBRS Morningstar)** | **Initial Compliance Grade(KBRA)** | **Final Compliance Grade(KBRA)** |
| XXXX | 2158749 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2156402 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156401 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156399 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156398 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156397 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156404 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153506 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2156361 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2153494 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158721 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153498 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2153496 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2153526 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2156389 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2156395 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156359 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2133206 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 B | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2144900 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2136060 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 1914005 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158748 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2156403 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158702 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153454 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158743 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156414 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158727 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153486 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2158693 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A |
| XXXX | 2158716 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158715 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158714 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158713 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153523 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153522 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158763 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156409 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153519 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2144892 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156368 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158747 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156365 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153480 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2156400 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158717 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158704 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158703 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153484 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158699 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153474 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156387 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2156394 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A |
| XXXX | 2156396 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2158742 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153466 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153504 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158718 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153520 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153508 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158733 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158732 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158734 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158766 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158765 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158767 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2158711 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158725 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158728 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2156376 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153456 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158760 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2156371 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158724 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153444 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158701 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156377 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153460 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153451 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153442 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2156411 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2153493 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153492 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153472 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158740 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153503 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158746 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2153531 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158694 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A |
| XXXX | 2158692 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2153477 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158739 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153478 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153483 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158738 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153450 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153448 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158768 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158755 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158723 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153532 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2153497 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153530 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2153527 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153501 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153521 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158705 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153465 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153467 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153495 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156405 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153500 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156386 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153518 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156407 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158764 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158758 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153491 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158731 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153481 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156410 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2156408 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2158712 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158736 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158710 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156369 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158708 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2153446 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153499 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153534 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153459 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158719 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153536 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158756 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2158762 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A |
| XXXX | 2153471 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153516 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153517 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153515 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158752 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158750 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158751 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156360 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158726 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153457 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153458 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2156393 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153525 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158729 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | B | A C | B | A C | B | A C | B | A C | B | A |
| XXXX | 2158700 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2156390 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2158730 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2156383 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158741 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153524 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153514 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153473 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158759 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2156363 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153505 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156372 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2156370 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2153443 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153447 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2158695 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A |
| XXXX | 2130392 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2136071 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2136074 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2133205 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2144909 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2139922 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2142504 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2139930 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2139963 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2139918 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2144875 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2139955 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2142510 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2142505 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2144881 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2158722 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2153452 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2153490 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A | B | A B | B | A B | B | A B | B | A B | B | A |
| XXXX | 2142469 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2142499 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2136075 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2137494 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A | B | A C B | B | A C B | B | A C B | B | A C B | B | A |
| XXXX | 2136080 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2158709 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2158769 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2139929 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2158720 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2153528 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2153468 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158761 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158744 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158745 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2136065 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2156412 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2158773 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2158772 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2153462 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144887 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2153533 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2153529 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2158771 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A |
| XXXX | 2158707 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2140095 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153188 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2155477 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155476 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2156445 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2155478 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155479 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2156447 | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A | D | A D | D | A D | D | A D | D | A D | D | A |
| XXXX | 2156446 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2156448 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153190 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2142227 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2142223 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2142222 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153189 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153192 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2153191 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2142217 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142213 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151879 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2144937 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151883 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2151878 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2151880 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2151882 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151884 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151886 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151881 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2142218 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151885 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144935 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2142216 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144938 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151876 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2151875 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144936 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2142214 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151877 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2156449 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 2 | 2 C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2159575 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2159577 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2159579 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2156453 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2159580 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154540 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2154541 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2159576 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154539 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2159578 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2156452 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2156451 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2136963 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2133361 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2136962 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153201 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153200 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153203 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153205 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153202 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153204 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153206 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153199 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153194 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153197 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153193 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2159573 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153195 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153196 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2156450 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153198 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154530 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2154532 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144729 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158226 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2142249 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142250 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142251 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154533 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142253 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144730 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142252 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144728 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2147734 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2158139 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158140 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2155367 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155366 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158138 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158141 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158142 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155365 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158144 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158146 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155364 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155363 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142196 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2142195 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2129603 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152659 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2144148 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2147736 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142199 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2142200 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2147738 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2142201 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2147735 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2144154 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2144153 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2144147 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2155362 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2139887 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2139877 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2139878 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2152656 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2152658 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152661 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152654 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2152655 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2144149 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144150 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144151 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144152 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152653 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2152663 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2142197 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2152662 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142198 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2147737 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2152660 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158672 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158671 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2153390 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158670 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2129518 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137037 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2137036 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2135912 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2153389 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2153088 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153087 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153089 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2125778 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 1 C A | C | C A | C | C A | C | C A | C | C A | C | C |
| XXXX | 2127039 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2138592 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2138593 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2127038 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2138591 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2136907 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2138594 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2152588 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145906 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145916 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145904 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145915 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152585 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2145910 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2145908 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153136 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145921 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153133 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2145918 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145919 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145907 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152587 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2152586 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145905 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153132 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145920 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145909 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145914 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145917 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145912 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2145911 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2136916 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2139810 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2145903 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2139811 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2136918 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2139809 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2139812 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2136926 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2136925 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2139813 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151779 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151783 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2155629 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2155631 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2159521 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155635 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2159523 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153414 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2159524 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2153418 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2133274 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2159520 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2125839 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2155634 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2151785 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2155633 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2155627 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2151780 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151781 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2155630 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2153417 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151788 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155628 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2151787 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155632 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2159522 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151784 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151791 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2153416 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151782 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153415 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2151786 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153413 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151790 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153412 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2151789 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2140078 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2143114 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154898 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152617 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2143113 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2143112 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2137449 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2129389 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2133333 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129370 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129351 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129343 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2143110 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2143109 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2129381 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144045 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144006 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144059 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144050 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144024 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2152620 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144018 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144616 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144046 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152619 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144055 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144053 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144609 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144611 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144020 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144618 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144619 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144044 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152615 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144622 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154891 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154896 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144027 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144004 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154892 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154894 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144016 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144042 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144040 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144017 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144043 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144614 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152621 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144035 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154893 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144007 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144032 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144620 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144051 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144012 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144058 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144023 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144617 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144604 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144605 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144621 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144033 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144034 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144600 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144010 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144030 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144607 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144048 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144049 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144031 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144606 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144015 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152614 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144052 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144019 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144610 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2144603 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144056 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144008 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144047 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144005 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144608 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144026 | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A | A | A D | A | A D | A | A D | A | A D | A | A |
| XXXX | 2144612 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152618 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2154897 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144041 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144029 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144057 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144009 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | N/A | N/A | 1 | 1 A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2144021 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2152622 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144025 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2152613 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144037 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2144602 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144038 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144011 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2148779 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154902 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 2 | 3 | 3 | 1 | 1 C B A | C | C B A | C | C B A | C | C B A | C | C B A | C | C |
| XXXX | 2155532 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152704 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155569 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2155547 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152716 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154935 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2152699 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154931 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2152713 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2153253 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2155531 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155540 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2155553 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154930 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2152709 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2154912 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2154914 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154922 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154915 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153275 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155566 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2148775 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2154924 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155568 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155528 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2155541 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154943 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2155534 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152701 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155567 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155571 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152706 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2155554 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2148783 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2152718 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2155561 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152720 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155559 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2153273 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154939 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2154907 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | C | C A | C | C A | C | C A | C | C A | C | C |
| XXXX | 2154933 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153260 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155543 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153270 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155544 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2152707 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2154909 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153267 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2154910 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154934 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153265 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155536 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153262 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2116819 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 2 | 3 | 3 | 1 | 1 C B A | C | C B A | C | C B A | C | C B A | C | C B A | C | C |
| XXXX | 2111930 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2151734 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151735 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2151733 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2137006 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2127946 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2136004 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2127945 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137013 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137005 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2133448 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129548 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2131375 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2123315 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2126962 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2125261 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2141268 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144408 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2155525 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144664 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2141231 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2144691 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | C | C A | C | C A | C | C A | C | C A | C | C |
| XXXX | 2136995 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2155520 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2141246 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2152710 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144678 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2139975 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2154920 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2141278 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 1 C A | C | C A | C | C A | C | C A | C | C A | C | C |
| XXXX | 2144428 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2142413 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2139472 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2142445 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2137642 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137637 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155523 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2139475 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2093315 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2089896 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2086349 | XXXX | XXXX | XXXX | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 1 C A | C | C A | C | C A | C | C A | C | C A | C | C |
| XXXX | 2154916 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155550 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2155529 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153266 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152700 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154918 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155556 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2148785 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152703 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153256 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2153255 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154905 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154906 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2154926 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | B | B C A | B | B C A | B | B C A | B | B C A | B | B |
| XXXX | 2155563 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2152702 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154917 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2152705 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153269 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154923 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2155564 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154938 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2152717 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154900 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154911 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155537 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155518 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154925 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2136992 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2131376 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129572 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2136994 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142406 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2136025 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2136997 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2133444 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2136990 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2133297 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2133442 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2133452 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129538 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129565 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2125246 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2125272 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2127929 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2129570 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2125265 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2139971 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2122542 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2123313 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2125271 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137638 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155526 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151737 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2139983 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155530 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2139969 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A | C | C A | C | C A | C | C A | C | C A | C | C |
| XXXX | 2144681 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144432 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2144451 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2137626 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2141252 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155524 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144446 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2155521 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137627 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2139474 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144671 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137665 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2142432 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2142412 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2148768 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137641 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144442 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2153254 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2148786 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2137655 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | B | B A | B | B A | B | B A | B | B A | B | B |
| XXXX | 2141274 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2139477 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2139970 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2142418 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137630 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144680 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2144696 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2141266 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154941 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2155552 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2133459 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2121278 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2144406 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2137636 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2151738 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2158243 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2158235 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2137033 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| XXXX | 2116187 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| XXXX | 2155480 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2141182 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 4. Digital Risk 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 | 2140095 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2142213 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2151886 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2151876 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2151880 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2151879 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144935 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142217 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142214 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151878 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2151875 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2142216 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144937 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2144938 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.758% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2144936 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2151883 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2151877 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2151882 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2151881 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142218 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2151885 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.381% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2151884 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2135912 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129518 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158670 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137036 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137037 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158671 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX | XXXX | XXXX | -0.880% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153390 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153389 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158672 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153188 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153188-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153188-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153190 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155476 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142227 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142223 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142222 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153189 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.889% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153192 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156445 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -2.415% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155477 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -4.854% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153191 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.143% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155478 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155479 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-04 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-05 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-06 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-07 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147734-08 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158138 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142198 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144150 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139877 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.897% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139878 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158139 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158140 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152656 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142199 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142200 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144153 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152653 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152663 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.053% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142195 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144149 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147736 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.560% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144147 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144148 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155362 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144151 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144152 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142197 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152660 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142196 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155365 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152658 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.606% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155367 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142201 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152654 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152655 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139887 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158144 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147737 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152659 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158141 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158142 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152661 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147738 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152662 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147735 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144154 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155364 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155363 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158146 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125839 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151779 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -50.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133274 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159520 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153417 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153416 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155627 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133333 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144015 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143114 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143114-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143114-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143114-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154898 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154898-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154898-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129370 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152614 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143113 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144016 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129343 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144032 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144007 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129381 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144017 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143109 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129351 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143112 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152617 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152617-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143110 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144033 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144602 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144034 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144042 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144018 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144011 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144010 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144030 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129389 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 14.074% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152613 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154891 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144019 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144053 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144020 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144048 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144049 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144027 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144055 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144035 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144012 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154892 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144050 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144052 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144056 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.326% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144044 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144037 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144029 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144058 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144043 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144040 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.333% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144051 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152618 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144004 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144008 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144005 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144038 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154894 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144006 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144045 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.122% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154896 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144009 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144057 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152615 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144031 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144021 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144046 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004C | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144041 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 5.143% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144059 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144047 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154897 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.889% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144611 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144606 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144609 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144600 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144610 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144612 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144617 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.382% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144604 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144607 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144605 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144620 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144614 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144608 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152620 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152621 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144621 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154893 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144618 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1914005 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2151780 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629-04 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629-05 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155630 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.800% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151781 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  |  | XXXX |  | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.800% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153413 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153412 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783 | XXXX | XXXX | IN | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783-01 | XXXX | XXXX | IN | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783-02 | XXXX | XXXX | IN | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783-03 | XXXX | XXXX | IN | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783-04 | XXXX | XXXX | IN | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783-05 | XXXX | XXXX | IN | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783-06 | XXXX | XXXX | IN | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155628 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151785 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151782 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153414 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153415 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155635 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151786 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159521 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151787 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151789 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.292% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151784 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151788 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155634 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155633 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153418 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 8.148% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151791 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159522 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155632 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155631 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151790 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159523 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158243 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX |  |  |  |  |  |
| XXXX | 2116187 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158773 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2158772 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2156412 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2153495 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.714% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155480 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137033 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158771 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |
| XXXX | 2156411 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156410 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153536 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2139929 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139930 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153534 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2133206 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -16.076% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2153494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2137494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2136060 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2156409 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2158720 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133205 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156407 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158695 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144875 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2136065 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.455% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153533 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2130392 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136071 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144881 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2158719 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153443 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158718 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144892 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144887 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136075 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2153493 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2158769 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153492 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.226% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2153491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.120% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153490 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158235 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2141182 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156405 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2136074 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136080 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2156404 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2156403 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |
| XXXX | 2156402 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2156401 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153532 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2156400 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2158717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156398 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153531 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153530 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2139955 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153529 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2156396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158768 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158767 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158766 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2158765 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2156395 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158716 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2158715 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2158714 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158713 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2156394 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2153528 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2156393 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153527 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.462% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2153526 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144900 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153525 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142499 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.714% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2139963 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153486 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.333% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.834% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153523 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153522 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2153521 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2158764 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.063% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2158763 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.545% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153520 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2153484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153519 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153483 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153518 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153481 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153480 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2153517 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153516 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153515 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139922 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142504 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156390 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158762 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158761 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142505 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158760 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156389 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153478 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144909 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2156387 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158712 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158693 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153477 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158711 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156386 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2153474 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2153473 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158759 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153508 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2153472 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2153471 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.255% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142469 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.692% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153468 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142510 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.762% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153467 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2153466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153465 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2158758 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.571% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158694 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158692 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153442 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153462 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.028% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158710 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2156383 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2158756 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2158709 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2158755 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2153460 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.322% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2153459 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2153506 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153458 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153505 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153457 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153456 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2153504 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156377 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158752 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156376 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2158751 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2158750 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2158749 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158748 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156414 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2158747 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2153454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.303% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2153452 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2153451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156372 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158746 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153450 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2153448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156371 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2158745 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156370 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2158744 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.125% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2153501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2156369 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2153447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.200% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158708 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158707 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156368 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2158743 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2158742 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158741 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2153500 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153499 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2158705 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156365 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.976% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158740 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2153498 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156363 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158739 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.556% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158704 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158703 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 |
| XXXX | 2158738 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158702 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2158701 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2158736 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156361 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2158734 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2158733 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158732 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158700 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158731 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2153496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.586% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158699 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158730 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158729 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158728 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2158727 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2158726 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156360 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2156359 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2158725 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2158724 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158723 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158722 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158721 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2153194 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138591 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145917 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145906 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2152588 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2138592 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138593 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145907 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2138594 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2156453 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153132 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145904 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153195 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2140078 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136963 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153193 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159573 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153197 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153196 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133361 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136962 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159579 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156450 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156452 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -11.613% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -33.333% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-04 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-05 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-06 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -24.051% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-07 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-08 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.623% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449-09 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -25.926% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153198 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159576 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153206 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159577 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153205 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153199 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159575 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.073% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153201 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153202 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153203 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153204 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153200 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154540 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154541 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154539 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159580 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159578 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145903 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2139811 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125778 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2127038 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136916 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2136907 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2127039 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2152585 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2136926 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136925 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2145916 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153133 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX |  | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2153136 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145921 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2152587 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139809 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2145914 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144730 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142249 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2142251 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2158226 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139810 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145911 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145912 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145920 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145905 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152586 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145909 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2142253 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2144728 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2142250 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144729 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.459% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2154533 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2142252 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154530 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2154532 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153089 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153087 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153088 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2086349 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2089896 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2093315 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2148783 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2139969 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116819 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2111930 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139971 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155518 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2123315 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | 1004 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133442 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125265 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131375 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2123313 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2121278 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144442 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136992 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127945 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2125272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2137626 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125246 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129548 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2125261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2133444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.345% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127929 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136990 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122542 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129570 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2144678 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129538 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 115.686% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | 45.098% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144664 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2151733 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2151734 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2151735 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133452 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125271 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137638 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.890% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126962 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2131376 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139970 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133297 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2133448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2127946 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144428 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136995 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129565 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2137627 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139475 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2129572 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137005 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2136004 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2137006 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2136994 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137013 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2155530 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153253 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2136997 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.119% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141278 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2139472 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2151737 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137630 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2133459 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142412 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2153254 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2155532 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2137636 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2151738 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2137641 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137637 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2137642 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139975 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144432 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142413 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152710 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141266 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2144451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153267 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2154920 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144671 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141252 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155521 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154902 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139983 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139474 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2154900 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2148786 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155523 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141246 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.730% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2137665 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.125% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142445 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152699 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2152700 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.145% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137655 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2155524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155525 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153255 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154907 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139477 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154906 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2154905 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2155526 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144696 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2152707 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2153256 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152703 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2148768 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2152701 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142418 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2152702 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142432 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154923 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -17.778% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -18.222% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2154909 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2152704 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155528 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153269 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2141274 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155529 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144680 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.895% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2144681 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.270% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152705 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2148775 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152706 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152720 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155520 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152709 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2144691 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154930 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2152717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155566 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2154910 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2155531 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154911 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2141268 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2148779 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153260 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153262 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2155534 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155537 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2155536 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2155543 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2154912 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152713 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154924 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2148785 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2155540 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2155553 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2154916 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153265 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154914 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2155571 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153266 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154915 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2155541 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152718 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154917 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2154931 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153273 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.807% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155563 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153275 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155564 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154938 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2155550 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154922 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2154941 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2155544 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154935 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155568 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152716 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153270 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155547 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155567 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2154926 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154925 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155552 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155561 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155569 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155554 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2155556 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155559 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2154943 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154933 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2154934 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154939 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145908 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.888% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145910 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145915 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2139813 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2145919 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2136918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

---

## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 5. Digital Risk Summary Report**

---

| | |
|:---|:---|
| **Report Pulled:** | 6/1/2026 |
| **Loan Count:** | 720 / 750 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 21 | 2.92% |
| Appraised Value | 26 | 3.61% |
| CLTV | 15 | 2.08% |
| Debt Service Coverage Ratio | 265 | 36.81% |
| First Payment Due Date | 14 | 1.94% |
| Loan Purpose | 6 | 0.83% |
| LTV | 30 | 4.17% |
| Maturity Date | 30 | 4.17% |
| Original Interest Rate | 1 | 0.14% |
| Original Loan Amount | 2 | 0.28% |
| Original Qualifying FICO Score | 7 | 0.97% |
| Origination/Note Date | 23 | 3.19% |
| Originator Back-End DTI | 33 | 4.58% |
| Property Type | 32 | 4.27% |
| Sales Price | 1 | 0.14% |
| Subject Zipcode | 3 | 0.40% |
| The Original Principal and Interest Payment Amount (or Original IO payment) | 4 | 0.56% |

---

## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 6. Digital Risk Standard Report**

---

| | |
|:---|:---|
| **Report Pulled:** | 6/1/2026 |
| **Loan Count:** | 720 / 750 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2140095 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2142213 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151886 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151876 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151880 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151879 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144935 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144935 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2142217 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2142214 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151878 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151875 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2142216 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144937 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144938 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2144936 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151883 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151877 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151882 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151881 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2142218 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151885 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2151885 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151885 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2151884 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2135912 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129518 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2129518 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2137036 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2137037 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153190 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153190 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153190 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2155476 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155476 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2142227 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142227 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2142223 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142223 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2142222 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142222 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2153189 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2156446 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156446 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2153191 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2155478 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2156447 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2147734 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2147734 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2147734 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144150 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2144150 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144150 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2158140 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152656 | XXXX | Property Type | Multi Family | Townhouse |
| XXXX | XXXX | 2142200 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142200 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2129603 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2129603 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129603 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2152653 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142195 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2142195 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144149 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155362 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2155362 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2155362 | XXXX | Property Type | SFR | 1 Family Attached |
| XXXX | XXXX | 2144151 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142197 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152660 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155365 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2155365 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2155365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155365 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2152658 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142201 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152655 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2152655 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2152655 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158144 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158142 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2158142 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2158142 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158142 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2152661 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2152661 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2152661 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2147738 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2147735 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155363 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2158146 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125839 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2125839 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2133274 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2159520 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153417 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2153416 | XXXX | Property Type | SFR | 1 Family Attached |
| XXXX | XXXX | 2155627 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2155627 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2133333 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144015 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144015 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2143114 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154898 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2154898 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144016 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144016 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2129381 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144017 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129351 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2152617 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2143110 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144033 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144602 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144602 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144034 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144042 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144042 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144018 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144011 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2129389 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2152613 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2144023 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144049 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144026 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144025 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2144012 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144012 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154892 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154892 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2144050 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144052 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2144052 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2144044 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144044 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144029 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152618 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144008 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144008 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2144006 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144009 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144009 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2152615 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144046 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144059 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144611 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2144616 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144607 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144605 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2144614 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2144622 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152621 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152621 | XXXX | Property Type | Detached SFR | Townhouse |
| XXXX | XXXX | 2144621 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1914005 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2151780 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2151780 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2155629 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2155629 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2155629 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155629 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2155630 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2155630 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155630 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2151781 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2151781 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2153413 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153413 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153412 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153412 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153412 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX |  | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX |  | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2151782 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2151782 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155635 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2155635 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151786 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2159521 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2159521 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2159521 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2159521 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2159521 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2151787 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2151787 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2151787 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2151787 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2151784 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2151784 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2151784 | XXXX | Property Type | SFR | 1 Family Attached |
| XXXX | XXXX | 2151788 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2151788 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155634 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155634 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2155634 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155634 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2153418 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153418 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153418 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153418 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2151791 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2159522 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2159522 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2159522 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2159522 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2155632 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155631 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2155631 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2151790 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2151790 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2151790 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2158243 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2116187 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2158773 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158772 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156412 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153495 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155480 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2137033 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2137033 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2158771 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156411 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2156411 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156410 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153536 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2139929 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2139930 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153534 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133206 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153494 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2137494 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2137494 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2136060 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156409 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158720 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156408 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2133205 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156407 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158695 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136065 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153533 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2130392 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136071 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144881 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158719 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153443 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2153443 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158718 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144892 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144887 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136075 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153493 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158769 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153492 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153491 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2153491 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153490 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158235 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2158235 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2156405 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136074 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153444 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136080 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156404 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156403 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156402 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156402 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156401 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156401 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153532 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156400 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156400 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156400 | XXXX | The Original Principal and Interest Payment Amount (or Original IO payment) | XXXX | XXXX |
| XXXX | XXXX | 2156399 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156399 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158717 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2158717 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158717 | XXXX | The Original Principal and Interest Payment Amount (or Original IO payment) | XXXX | XXXX |
| XXXX | XXXX | 2156398 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156398 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156397 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156397 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153531 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153530 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2139955 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153529 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156396 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158768 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158767 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158766 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158765 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156395 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158716 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158715 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158714 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158713 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156394 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153528 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156393 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153527 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153526 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2144900 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153525 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142499 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2139963 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2139918 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153486 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153524 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2153524 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153523 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153522 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153521 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158764 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158763 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153520 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153484 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153484 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153484 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2153519 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153519 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2153483 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153518 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153481 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153481 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2153480 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153517 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153516 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153515 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2139922 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142504 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2142504 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156390 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158762 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153514 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158761 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142505 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158760 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156389 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153478 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144909 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156387 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156387 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156387 | XXXX | The Original Principal and Interest Payment Amount (or Original IO payment) | XXXX | XXXX |
| XXXX | XXXX | 2158712 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158693 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153477 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158711 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156386 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153474 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153473 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158759 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153508 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153472 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153471 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153471 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2142469 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153468 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142510 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153467 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153466 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153465 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158758 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158758 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2158694 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158692 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153442 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153462 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158710 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156383 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158756 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158709 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158755 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153460 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153459 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153506 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2153506 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2153506 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153458 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153505 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153457 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153456 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153504 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156377 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158752 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156376 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158751 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158750 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158749 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158748 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156414 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158747 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153454 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2153454 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153452 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153451 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156372 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158746 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153450 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153503 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153448 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156371 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158745 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156370 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158744 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153501 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156369 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2156369 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153447 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158708 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2158708 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158708 | XXXX | The Original Principal and Interest Payment Amount (or Original IO payment) | XXXX | XXXX |
| XXXX | XXXX | 2158707 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156368 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158743 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153446 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2153446 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158742 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158741 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153500 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153499 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158705 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158740 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153498 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2156363 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158739 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158704 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158703 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153497 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158738 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158702 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158701 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158736 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156361 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158734 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158733 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158732 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158700 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158731 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153496 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158699 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158730 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158729 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158728 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158727 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158726 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156360 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156359 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158725 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158724 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158723 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158722 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2158721 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2145917 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2138592 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153132 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2145904 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2140078 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2159573 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159573 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2133361 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2136962 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2153206 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2153199 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154541 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2145903 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2125778 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2136916 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136907 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2127039 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2152585 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136926 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136926 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2136925 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2145916 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153136 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152587 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142249 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2142251 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2158226 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2158226 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2145920 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2145920 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2145905 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144728 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144729 | XXXX | Loan Purpose | Rate/Term Refinance -- Borrower initiated | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2144729 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2154533 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2154533 | XXXX | Property Type | SFR | 1 Family Attached |
| XXXX | XXXX | 2142252 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142252 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2154530 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2154530 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2154532 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2154532 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2123313 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2144664 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2136025 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2141266 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2141252 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2141252 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154900 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2154900 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154900 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2137665 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153256 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142418 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154923 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2141268 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2154916 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153273 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153273 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2145919 | XXXX | Subject Zipcode | XXXX | XXXX |

---

## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 7. Digital Risk Supplemental Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** | **Original Qualifying FICO** | **Borrower Original FICO: Equifax** | **Borrower Original FICO: Experian** | **Borrower Original FICO: Transunion** | **Borrower Original FICO** | **Co-Borrower Original FICO: Equifax** | **Co-Borrower Original FICO: Experian** | **Co-Borrower Original FICO: Trans Union** | **Co Borrower Original FICO** | **Borrower 3 Original FICO: Equifax** | **Borrower 3 Original FICO: Experian** | **Borrower 3 Original FICO: Trans Union** | **Borrower 3 Original FICO** | **Borrower 4 Original FICO: Equifax** | **Borrower 4 Original FICO: Experian** | **Borrower 4 Original FICO: TransUnion** | **Borrower 4 Original FICO** |
| XXXX | 1914005 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158773 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158772 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156412 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153495 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158771 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156411 | XXXX | DSCR | 0 | 44 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156410 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153536 | XXXX | DSCR | 0 | 27 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139929 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Self-Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2139930 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153534 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133206 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153494 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137494 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136060 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156409 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158720 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156408 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133205 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156407 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158695 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144875 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136065 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153533 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130392 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2136071 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144881 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158719 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153443 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158718 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144892 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144887 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136075 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153493 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158769 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153492 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153491 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153490 | XXXX | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156405 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136074 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153444 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136080 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156404 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156403 | XXXX | DSCR | 0 | 37 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156402 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156401 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153532 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156400 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156399 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158717 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156398 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156397 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153531 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153530 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139955 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153529 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156396 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158768 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158767 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158766 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158765 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156395 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158716 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158715 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158714 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158713 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156394 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153528 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156393 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153527 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153526 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144900 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153525 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142499 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139963 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139918 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153486 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153524 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153523 | XXXX | DSCR | 0 | 31 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153522 | XXXX | DSCR | 0 | 29 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153521 | XXXX | DSCR | 0 | 30 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158764 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158763 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153520 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153484 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153519 | XXXX | DSCR | 0 | 16 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153483 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153518 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153481 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153480 | XXXX | DSCR | 0 | 14 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153517 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153516 | XXXX | DSCR | 0 | 25 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153515 | XXXX | DSCR | 0 | 24 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139922 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142504 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156390 | XXXX | DSCR | 0 | 43 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158762 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153514 | XXXX | DSCR | 0 | 28 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158761 | XXXX | DSCR | 0 | 21 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142505 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158760 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156389 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153478 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144909 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156387 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158712 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158693 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153477 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158711 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156386 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153474 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153473 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158759 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153508 | XXXX | DSCR | 0 | 15 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153472 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153471 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142469 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153468 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142510 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153467 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153466 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153465 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158758 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158694 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158692 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153442 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153462 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158710 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156383 | XXXX | DSCR | 0 | 35 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158756 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158709 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158755 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153460 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153459 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153506 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153458 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153505 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153457 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153456 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153504 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156377 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158752 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156376 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158751 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158750 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158749 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158748 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156414 | XXXX | DSCR |  | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158747 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153454 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153452 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153451 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156372 | XXXX | DSCR | 0 | 42 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158746 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153450 | XXXX | DSCR | 0 | 20 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153503 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153448 | XXXX | DSCR | 0 | 18 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156371 | XXXX | DSCR | 0 | 48 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158745 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156370 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158744 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153501 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156369 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153447 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158708 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158707 | XXXX | 1 Year Alt Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156368 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158743 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153446 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158742 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158741 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153500 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153499 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158705 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156365 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158740 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153498 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156363 | XXXX | DSCR | 0 | 39 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158739 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158704 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158703 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153497 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158738 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158702 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158701 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158736 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156361 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158734 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158733 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158732 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158700 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158731 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153496 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158699 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158730 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158729 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158728 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158727 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158726 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156360 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156359 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158725 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158724 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158723 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158722 | XXXX | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158721 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139813 | XXXX | Jumbo AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2140095 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142213 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151886 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151876 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151880 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151879 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144935 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142217 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142214 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151878 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151875 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142216 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144937 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144938 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144936 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151883 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151877 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151882 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151881 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142218 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151885 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151884 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2135912 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129518 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158670 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137036 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137037 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158671 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153390 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153389 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158672 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153190 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155476 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142227 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142223 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142222 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153189 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153192 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156446 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156445 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155477 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156448 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153191 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155478 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156447 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155479 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158138 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142198 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144150 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | Permanent Resident-Alien | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |
| XXXX | 2139877 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139878 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158139 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158140 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152656 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142199 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142200 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144153 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129603 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152653 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152663 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142195 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144149 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147736 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144147 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144148 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155362 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144151 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144152 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142197 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152660 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142196 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155365 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152658 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155367 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155366 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142201 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152654 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152655 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139887 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158144 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147737 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152659 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158141 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158142 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2152661 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147738 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152662 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2147735 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144154 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155364 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155363 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158146 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125839 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133274 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159520 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153417 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153416 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155627 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133333 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | Foreign National | Foreign National | Foreign National |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144015 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2129370 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152614 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137449 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143113 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144016 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129343 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 | Chapter 7 | 3/7/2012 | 1 | 164 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144032 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144007 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129381 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144017 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143109 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2129351 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143112 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143110 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152622 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144033 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144602 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144034 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144042 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144018 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144011 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144010 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144030 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129389 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152613 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152619 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154891 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144024 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144023 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144019 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144053 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144020 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144048 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144049 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144026 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144027 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144055 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  | 10/27/2015 | 1 | 122 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144035 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144025 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144012 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154892 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144050 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144052 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144056 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144044 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144037 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144029 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144058 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144043 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144040 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144051 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2152618 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144004 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144008 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144005 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144038 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154894 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144006 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144045 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154896 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2144009 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144057 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2152615 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144031 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144021 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144046 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144041 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144059 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144047 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154897 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144611 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144606 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144603 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144609 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144600 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144610 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144616 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144612 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144617 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144604 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144607 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144605 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144620 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144614 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144608 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144622 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152620 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2152621 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144621 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154893 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144619 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144618 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158243 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151780 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155630 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151781 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153413 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153412 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155628 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151785 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151782 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153414 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153415 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155635 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151786 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159521 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2151787 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151789 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151784 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151788 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155634 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155633 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153418 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151791 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159522 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155632 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155631 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151790 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159523 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | Chapter 13 | 1/1/2023 | 2 |  | 38 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159524 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116187 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155480 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137033 | XXXX | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158235 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141182 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153194 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2138591 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2145917 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145906 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2152588 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138592 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2138593 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2145907 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2138594 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156453 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153132 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145904 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153195 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2140078 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136963 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153193 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159573 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153197 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153196 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133361 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136962 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159579 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156450 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156451 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156452 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153198 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159576 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153206 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159577 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153205 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153199 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159575 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153201 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153202 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153203 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153204 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153200 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154540 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154541 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154539 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159580 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159578 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145903 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139811 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125778 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127038 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2136916 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2136907 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127039 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152585 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2136926 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136925 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145916 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153133 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153136 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145921 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152587 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2139812 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139809 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2145914 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144730 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142249 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142251 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158226 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139810 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145911 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145912 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145918 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145920 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2145905 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152586 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145909 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142253 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144728 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142250 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144729 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154533 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142252 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154530 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154532 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153089 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153087 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153088 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086349 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089896 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093315 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148783 | XXXX | Business Bank Stmt: 12 Mos | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139969 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116819 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111930 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139971 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155518 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123315 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133442 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125265 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131375 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123313 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121278 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144442 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136992 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2127945 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125272 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137626 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125246 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129548 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2125261 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133444 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127929 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2136990 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122542 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129570 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144678 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129538 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144664 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151733 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151734 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151735 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133452 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2125271 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137638 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136025 | XXXX | DSCR | 0 | 12 to 23 months | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144408 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2126962 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131376 | XXXX | DSCR | 0 | 11 Months or Less | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2139970 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133297 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133448 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2127946 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144428 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136995 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129565 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137627 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144406 | XXXX | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142406 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2139475 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129572 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137005 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136004 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137006 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136994 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2137013 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155530 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153253 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2136997 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141278 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2139472 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151737 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137630 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133459 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142412 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153254 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155532 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137636 | XXXX | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151738 | XXXX | Asset Related | 1 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2137641 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137637 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137642 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144446 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139975 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144432 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142413 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152710 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141266 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141231 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144451 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153267 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154920 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144671 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141252 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155521 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154902 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139983 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139474 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154900 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148786 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155523 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141246 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2137665 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142445 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152699 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152700 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2137655 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155524 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155525 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153255 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154907 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139477 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154906 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154905 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155526 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144696 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152707 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153256 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152703 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148768 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152701 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142418 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2152702 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142432 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154923 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154909 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152704 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155528 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153269 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141274 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155529 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | QM Non-Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144680 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144681 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152705 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148775 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152706 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152720 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155520 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152709 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144691 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154930 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152717 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155566 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154910 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155531 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154911 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141268 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2148779 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153260 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153262 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155534 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155537 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155536 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155543 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154912 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2152713 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154924 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148785 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155540 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155553 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154916 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153265 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154914 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155571 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153266 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154915 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155541 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152718 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154918 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154917 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154931 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153273 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155563 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153275 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155564 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154938 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155550 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154922 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154941 | XXXX | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155544 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154935 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155568 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152716 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153270 | XXXX | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155547 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155567 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154926 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154925 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155552 | XXXX | 1099 | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155561 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155569 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155554 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155556 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155559 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154943 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154933 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154934 | XXXX | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154939 | XXXX | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145908 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145910 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145915 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145919 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136918 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153188 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2147734 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151779 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143114 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154898 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152617 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155629 | XXXX | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2151783 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156449 | XXXX | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

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

**Exhibit 99.06**

**Schedule 8. Digital Risk Non-QM Supplemental Report**

---

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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** | **Borrower Last Name** | **Borrower First Name** | **Co Borrower Last Name** | **Co Borrower First Name** | **Subject Street Address** | **Subject City** | **Subject State** | **Subject Zip** | **MERs Min #** | **Qualifying Value** |
| XXXX | 2140095 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142213 | QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151886 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151876 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 6 |  |  |  | 10 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151880 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151879 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144935 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 10 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142217 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142214 | QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151878 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 6 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 3 | 0 | 25 | 0 | 0 | 4 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151875 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142216 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144937 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144938 | QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144936 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151883 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151877 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151882 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151881 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142218 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 16 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151885 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 3 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151884 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2135912 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129518 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158670 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137036 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137037 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158671 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153390 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158672 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153188 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2153188-01 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Multiple Sources | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153188-02 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153190 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155476 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142227 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142223 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142222 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153189 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153192 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX |  |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156446 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156445 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155477 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156448 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153191 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155478 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156447 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155479 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2147734-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147734-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158138 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142198 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144150 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139877 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139878 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158139 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158140 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152656 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142199 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142200 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144153 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129603 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152653 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152663 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142195 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144149 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147736 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144147 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144148 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144151 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144152 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142197 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152660 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142196 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152658 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155367 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142201 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152654 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152655 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139887 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158144 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147737 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152659 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158141 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158142 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152661 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152662 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2147735 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144154 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155364 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158146 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125839 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151779 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2151779-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151779-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133274 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159520 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153417 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153416 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155627 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144015 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143114 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2143114-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143114-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143114-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154898 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2154898-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154898-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129370 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152614 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137449 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143113 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144016 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129343 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144032 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144007 | GQM Exempt - Business Purpose | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129381 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144017 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143109 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129351 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143112 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152617 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2152617-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152617-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143110 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152622 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144033 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144602 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144034 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144042 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144018 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144011 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144010 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144030 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152613 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152619 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154891 | GQM Exempt - Business Purpose | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144024 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144023 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144019 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144053 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144020 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144048 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144049 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144026 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144027 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144055 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144035 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144025 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144012 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154892 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144050 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144052 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | Other | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144056 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144044 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144037 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144029 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144058 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144043 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144040 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144051 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152618 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144004 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144008 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144005 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144038 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154894 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144006 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 2 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144045 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154896 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144009 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144057 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152615 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144031 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144021 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144046 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144041 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144059 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144047 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154897 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144611 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144606 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144603 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144609 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144600 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144610 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144616 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144612 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144617 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144604 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144607 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144605 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144620 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144614 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144608 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144622 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152620 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152621 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144621 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154893 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144619 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144618 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 1914005 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151780 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155629 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2155629-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Multiple Sources | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155629-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155629-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155629-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155629-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155630 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151781 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153413 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153412 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151783 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2151783-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151783-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151783-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151783-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151783-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151783-06 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155628 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151785 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151782 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153414 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153415 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155635 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151786 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159521 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151787 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151789 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151784 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151788 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155634 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155633 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153418 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151791 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159522 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155632 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155631 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151790 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159523 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159524 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158243 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2116187 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 45 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158773 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158772 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156412 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153495 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155480 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137033 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158771 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156411 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156410 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153536 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139929 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  | XXXX | XXXX | 80 | Business Expense Ratio Statement |  |  | Lease | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139930 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153534 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133206 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153494 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 1 |  |  | XXXX |  |  |  | XXXX | 20 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137494 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136060 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156409 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158720 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156408 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133205 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156407 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158695 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144875 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136065 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153533 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2130392 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136071 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158719 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153443 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158718 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144892 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144887 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136075 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153493 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158769 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153492 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153491 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153490 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158235 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 2 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141182 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156405 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136074 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153444 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136080 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156404 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 1 | 0 | 26 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156403 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156402 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156401 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 1 | 0 | 26 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153532 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156400 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156399 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158717 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156398 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156397 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153531 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153530 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139955 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153529 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156396 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158767 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158766 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158765 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156395 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 4 | XXXX |  | XXXX | 70 | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158716 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158715 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158713 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156394 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153528 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156393 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153527 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153526 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  | XXXX | 60 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144900 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153525 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142499 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139963 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153486 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153524 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153523 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153522 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153521 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158764 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158763 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153520 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153484 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153519 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153483 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153518 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153481 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153480 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153517 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153516 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153515 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139922 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142504 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156390 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158762 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153514 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158761 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142505 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158760 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156389 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153478 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144909 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156387 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158712 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158693 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153477 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156386 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153474 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153473 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158759 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153508 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153472 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153471 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142469 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153468 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142510 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153467 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153466 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153465 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158758 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158694 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158692 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153442 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153462 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158710 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156383 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158756 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158709 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 40 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158755 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153460 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153459 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153506 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  | 60 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153458 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153505 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153457 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153456 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153504 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156377 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158752 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156376 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158751 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158750 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158749 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 1 | 27 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156414 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158747 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153454 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153452 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156372 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158746 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153450 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153503 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153448 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156371 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158745 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156370 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158744 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153501 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156369 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153447 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158708 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158707 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 |  | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156368 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158743 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153446 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158742 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158741 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153500 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153499 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158740 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153498 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 4 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  | XXXX | 40 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158704 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158703 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153497 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158702 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158701 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158736 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156361 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158733 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158700 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158731 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153496 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 4 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  | XXXX | 40 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158699 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158730 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158729 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158728 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158727 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156360 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156359 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158724 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158723 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158722 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158721 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 40 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153194 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2138591 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145906 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152588 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2138592 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2138593 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145907 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2138594 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156453 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153132 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145904 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153195 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2140078 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136963 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153193 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159573 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153197 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX |  |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153196 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136962 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159579 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156450 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156452 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 11 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | 9999999 | XXXX |
| XXXX | 2156449-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-03 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Multiple Sources | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-04 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156449-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153198 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159576 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153206 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159577 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153205 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153199 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159575 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153201 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153202 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153203 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153204 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153200 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154540 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154541 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154539 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159580 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159578 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145903 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139811 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125778 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2127038 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136916 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136907 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2127039 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152585 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136926 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136925 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145916 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153133 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153136 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145921 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152587 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139812 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139809 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145914 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144730 | Non-QM Verified | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142249 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142251 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158226 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139810 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145911 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145912 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145920 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145905 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152586 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145909 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142253 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144728 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142250 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144729 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154533 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142252 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154530 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154532 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153089 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153087 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153088 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2086349 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2089896 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2093315 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148783 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 |  |  | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Business Expense Ratio Statement |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139969 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 4 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2116819 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2111930 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 38 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139971 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155518 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2123315 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133442 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125265 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2131375 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2123313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2121278 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144442 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136992 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2127945 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125272 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125246 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129548 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125261 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133444 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2127929 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136990 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2122542 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129570 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144678 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  | XXXX |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129538 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144664 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 |  |  | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 38 | Business Expense Ratio Statement |  | XXXX |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151733 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151734 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151735 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133452 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2125271 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137638 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136025 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144408 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 |  |  | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 7 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2126962 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX | 25 | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2131376 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139970 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133297 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133448 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 6 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2127946 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX | 50 | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144428 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX | 25 | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136995 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129565 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137627 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144406 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 1 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  |  | Personal Tax Returns | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142406 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139475 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129572 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137005 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136004 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137006 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136994 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137013 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155530 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153253 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136997 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141278 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 2 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139472 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151737 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137630 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133459 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142412 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153254 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155532 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137636 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2151738 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | XXXX | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137641 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137637 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137642 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 |  | XXXX | XXXX | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144446 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139975 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144432 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142413 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152710 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141266 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141231 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153267 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154920 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144671 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141252 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155521 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX |  |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154902 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139983 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139474 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154900 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148786 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155523 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141246 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137665 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142445 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152699 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152700 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137655 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155524 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155525 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153255 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154907 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139477 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154906 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154905 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155526 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144696 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152707 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153256 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152703 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152701 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142418 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152702 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142432 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154923 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154909 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152704 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155528 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153269 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141274 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155529 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144680 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144681 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148775 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 |  |  | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152706 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152720 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155520 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152709 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144691 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 |  |  | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154930 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152717 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155566 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 18 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154910 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155531 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154911 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141268 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 9 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148779 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 |  |  | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 26 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153260 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153262 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155534 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 85 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155537 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155536 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155543 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154912 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 8 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152713 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154924 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148785 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155540 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155553 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154916 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153265 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154914 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155571 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153266 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154915 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155541 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152718 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154931 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153273 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155563 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153275 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155564 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154938 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155550 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154922 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154941 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155544 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154935 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155568 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152716 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153270 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155547 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155567 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154926 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154925 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155552 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155561 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155569 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155554 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155556 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155559 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154943 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154933 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154934 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154939 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | 10 | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145908 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145910 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145915 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139813 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145919 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |

---

## Exhibit 99.07

**Exhibit 99.07**

**Evolve Mortgage Services ("Evolve") Narrative**![](ex9907001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary<br>EFMT 2026-NQM6<br>Dated: June 1, 2026<br>

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com** <br>

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 164 loans, including 47 Residential and 117 Business Purpose Loans totaling an aggregate original principal balance of approximately $82,541,020.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Moody's Investors Service, Inc., and DBRS, Inc., the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Employment and Income:* 

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

*Valuation Review*

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

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

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

*Insurance*

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

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

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

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;28.66% | &nbsp;&nbsp;47 | &nbsp;&nbsp;28.66% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;117 | &nbsp;&nbsp;71.34% | &nbsp;&nbsp;117 | &nbsp;&nbsp;71.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;115 | &nbsp;&nbsp;70.12% | &nbsp;&nbsp;115 | &nbsp;&nbsp;70.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;49 | &nbsp;&nbsp;29.88% | &nbsp;&nbsp;49 | &nbsp;&nbsp;29.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;150 | &nbsp;&nbsp;91.46% | &nbsp;&nbsp;150 | &nbsp;&nbsp;91.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.93% | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;107 | &nbsp;&nbsp;65.24% | &nbsp;&nbsp;107 | &nbsp;&nbsp;65.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;57 | &nbsp;&nbsp;34.76% | &nbsp;&nbsp;57 | &nbsp;&nbsp;34.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**164** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;164 | &nbsp;&nbsp;7.32% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;18 | &nbsp;&nbsp;164 | &nbsp;&nbsp;10.98% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;142 | &nbsp;&nbsp;164 | &nbsp;&nbsp;86.59% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;18 | &nbsp;&nbsp;164 | &nbsp;&nbsp;10.98% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;164 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;164 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;18 | &nbsp;&nbsp;164 | &nbsp;&nbsp;10.98% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;164 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;164 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;13 | &nbsp;&nbsp;164 | &nbsp;&nbsp;7.93% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;164 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;164 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;164 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;35 | &nbsp;&nbsp;164 | &nbsp;&nbsp;21.34% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;55 | &nbsp;&nbsp;164 | &nbsp;&nbsp;33.54% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;44 | &nbsp;&nbsp;164 | &nbsp;&nbsp;26.83% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;6 | &nbsp;&nbsp;164 | &nbsp;&nbsp;3.66% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;69 | &nbsp;&nbsp;164 | &nbsp;&nbsp;42.07% |

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the
 creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
 and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any
 written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the
 disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

**Schedule 1. Evolve Rating Agency Grades Report**

![](evolve-logo.jpg)

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| **Rating Agency Grades** |
| **Run Date - 06/01/2026 3:35:38 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1685954 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693440 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1688836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688846 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1693813 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693816 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693456 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1693821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A B |
| 1693467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1692767 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693472 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1693482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692774 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693493 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692780 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693498 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1692791 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693535 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693549 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693551 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1693564 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693565 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1693578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693579 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693583 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1693596 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693600 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

**Schedule 2. Evolve Exception Detail Report**

![](evolve-logo.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 06/01/2026 3:35:39 PM** |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7213466 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/02/2022 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7213467 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | \*VVOE is missing for XXXX for employer confidence Trucking | document provided |  |  | 08/02/2022 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568746 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX XXXXX XXXXXXXXX in file dated XXXXXXXXXX is expired. | Received updated approval |  |  | 03/03/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514320 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXXXXXX XX is missing from file. XXXXXXX provide, along with XXXX to re-record. | Information provided |  |  | 03/05/2026 |  | A | 1 | XXXXXXXXXX | MO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514321 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXXX XXXXXXXX on short-term rental property requires XX months reserves. XXXXXXXXX currently only has XXXXXX months' reserves. XXXXXXXX exception approval for lower reserves or evidence of additional assets. |  | Exception approval received for XXXX XXX months reserves. XXXXXXXXXXXXX XXXXXXXX - score XXXXX min XXXXX XXXXX XXXXXXXX min XXXXXXX owned primary XXX years, employed for XXX years. |  |  |  | 03/05/2026 B | 2 | XXXXXXXXXX | MO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811704 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX bX credit report |  |  |  | 04/14/2026 |  | A | 1 | XXXXXXXXXX | IL | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811738 | 387 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX is missing evidence of rent loss insurance for subject property covering a six month period. | Received XXX month rent loss statement from insurance XXXXXX and on policy |  |  | 04/22/2026 |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811740 | 321 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | XXXXXXXXXXXX min XXXXXXX XXXXXX is XXXX for program XXXXXXXXXX XXXXXXXXX XXXXXXX score of XXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with comp factors: XXXX is XXXXXXXX stacked when max XXXX is XXXXX XXXXX XXXXXXX min required XXXXX is XXXXXXX XXXXXXX months reserves when only XX months reserves required, XXXXXXXXXXXX multi unit investor. |  |  |  | 04/14/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811743 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXXXXXXX max XXXX of XXXX with stacked points. XXXXXXXX XXXX for XXXX is XXX |  | Client waived with compensating factors: XXXXX XXXXXXXX where XXXX required, XXXXXXXXX residual income where XXXXXXXX is required, XXX month reserves where XX is required. |  |  |  | 04/15/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10676908 | 356 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | XXXX permanent resident aliens are not allowed on XXXXX XX - XXX XXXXX XXXXXXXXXX XXXXXXXXXX approval in file from senior management to allow borrower to be XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXXX reserves when only XXXXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 04/15/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 D B | N/A | N/A |  | Exempt | 1 |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10676909 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXX XXXXX XX - XXX XXXXX XXXXXXXX requires XXXXXXXXXXXX XXXXX XX reporting XXXXXXXXXX w/ activity in last XXXXXXXXXX or XX reporting XXXXXXXXXX w/ recent activity. XXXXXXXXXX approval in file from senior management allowing XX tradelines with only one reporting activity in past XXX months. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXXX reserves when only XXXXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 04/15/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 D B | N/A | N/A |  | Exempt | 1 |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10676910 | 424 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | XXXX appraisal used, per guidelines; XXX the XXXX is less than or equal to XXXX the date of the appraisal may be up to XXXX days old with senior management approval and third party review. XXXXXXXXXX approval in file from senior management allowing for use of appraisal over XXXX days old. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXXX reserves when only XXXXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 04/15/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 D B | N/A | N/A |  | Exempt | 1 |
| 1692791 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811754 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXX square feet required. XXXXXXXXX in file for each unit less than XXXX square feet. |  | Client waived with compensating factors: XXXXX XXXX when the minimum required is XXXXX XXX months reserve when the minimum requirement is XX months, experienced investor. |  |  |  | 04/13/2026 B | 2 | XXXXXXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091300 | 270 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXX over XXXXXXX XXXXXXXX require a XXXX appraisal in lieu of XXXXX XXXXXXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXX with XXX mtg pmt history and foreign credit history, XXXXXXXXX of XXXXXXX months when XXX months required, XXXXXXXXX XXXX when max XXXX allowed is XXXXX residual income over XXXXXXX over XXX required. |  |  |  | 03/09/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091301 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXXXXXXXXX state XXX for c/o XXX max is XXXXXXXXXXXX borrower is doing XXXX XXX XXXXXXXXXXXX with c/o of XXXXXXXXXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXX with XXX mtg pmt history and foreign credit history, XXXXXXXXX of XXXXXXX months when XXX months required, XXXXXXXXX XXXX when max XXXX allowed is XXXXX residual income over XXXXXXX over XXX required. |  |  |  | 03/09/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091302 | 353 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | XXXXXXXXXXX state max XXX is XXXX million for max XXXX XXXXX subject XXX is XXXXXXXXXXXXXXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXX with XXX mtg pmt history and foreign credit history, XXXXXXXXX of XXXXXXX months when XXX months required, XXXXXXXXX XXXX when max XXXX allowed is XXXXX residual income over XXXXXXX over XXX required. |  |  |  | 03/09/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091303 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX require acceptable XXXXXX there is no visa for second home (property held in corp) |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXX with XXX mtg pmt history and foreign credit history, XXXXXXXXX of XXXXXXX months when XXX months required, XXXXXXXXX XXXX when max XXXX allowed is XXXXX residual income over XXXXXXX over XXX required. |  |  |  | 03/09/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1693437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041374 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX guarantees required for additional shareholders. XXXXXXXXX in file to waive the requirement for additional shareholder guarantees. |  | Client waived with compensating factors: XXXXX XXXX when the minimum requirement is XXXXXX XXX months reserves when the minimum requirement is XX months. |  |  |  | 04/08/2026 B | 2 | XXXXXXXXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041377 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXXXXXXXX approval for loan exceeding max allowed XXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXXXX XXXX of XXXXXXXX where the max allowed is XXX |  |  |  | 04/14/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10763922 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX borrower XX credit report. |  |  |  | 04/20/2026 |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041386 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX XXXXX mortgage history, guidelines required clean mortgage history for last XXX months. |  | Client waived with compensating factors: XXXXXXXXX has managed multifamily properties since XXXXXX borrower owns XX other properties, borrower has XXXXXXXXX in reserves after closing. |  |  |  | 04/22/2026 B | 2 | XXXXXXXXXX | CT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041388 | 357 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXXXXXXXXXXXX for the original purchase transaction is incomplete. XX settlement statement (or acceptable alternative, such as a recorded trustee's deed) is required per guidelines for delayed financing. XXXX borrower received XXXXXXXXXXXXXX cash back at closing; however, the loan is structured as a no cash-out refinance under delayed financing. XX XXXXXX XXXXXXXXXXX XXXXXXXXXX (or equivalent) is required to confirm the cash to borrower does not exceed program limits and meets rate and term financing. | Received the XXX from the original purchase |  |  | 04/30/2026 |  | A | 1 | XXXXXXXXXX | MA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041393 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX programs require each unit to be at least XXXX square feet. XXXXXXXXXXX with units that do not contain a minimum of XXXX square feet of gross living area may be permitted with senior management approval. XXXXXXXXXX approval in file allowing for XX units to be less than XXXX sq. ft. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX reserves when only XXXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXX |  |  |  | 04/21/2026 B | 2 | XXXXXXXXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041396 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property is a high rise condotel. XXXXXXXXXX require XXXXXXXXXXX XXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXX and XXXXXXXX months of reserves where the guideline minimum is three months. |  |  |  | 04/21/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041397 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX guidelines, the minimum sq ft per unit is XXXX sq ft. XXXX subject property is XXXX sq ft. |  | Exception approval received for XXXXXXX XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXX and XXXXXXXX months of reserves where the guideline minimum is three months. |  |  |  | 04/21/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041398 | 357 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXXXXXXXXX state max XXXX proceeds is XXXXXXXXXXX XXXXXXX XXXX proceeds on subject is XXXXXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXX XXXXX XXXXXX of XXXXXX where the guideline minimum is XXXXXXX XXXXXXXXXXX XXXXX of XXXX where the the guideline minimum for the XXXX tier is XXXXX and post closing reserves of XXXXXXX months where guidelines require XX months. |  |  |  | 04/28/2026 B | 2 | XXXXXXXXXX | AK | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041401 | 447 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX guidelines, borrower must be self employed for XX years under the XXXX statement program. XXXXXXXXX has been self employed for < XX years. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX mortgage payment history with XXX months reporting; XXX years in primary residence where the minimum requirement is XX years; residual income of XXXXXXXXX where the guideline minimum is XXXXXXXX and XXXXXXXX months in post closing reserves. |  |  |  | 04/09/2026 B | 2 | XXXXXXXXXX | CA | 2 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041402 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXXXXX provide the hazard policy. | Information provided |  |  | 04/28/2026 |  | A | 1 | XXXXXXXXXX | NY | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041403 | 340 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXXXXXXXXX with minimum of XX months rent loss coverage is required. | Received XX months rent loss coverage. |  |  | 04/27/2026 |  | A | 1 | XXXXXXXXXX | NY | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041409 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX use properties are only acceptable with senior management approval on all programs. XXXXXXXXXX approval from senior management is in file allowing for subject to be a mixed-use property. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041410 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX XXXXXXXXXX program requires all units each having a minimum unit size of XXXX sq ft. XX of the XX residential units are under XXXX square feet. XXXXXXXXXX approval from senior management in file allowing for XX of the units to have less than XXXX square feet. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041411 | 258 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | XXXXXXXXXX is XXXXXXXX to completion. | Received XXXXX |  |  | 04/27/2026 |  | A | 1 | XXXXXXXXXX | AL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041412 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXXX is currently short funds to close XXXXXXXXXXXX and reserves XXXXXXXXXXXXXXX XXX deducted cash to close for XXXX & XXXX XXXXXX XXXXXXXXXXXXX from current balance. XXX documentation was provided to show where that cask to close came drome, only the XXXXXXXXX downpayment money was sourced. XXXXXXXX documentation that the borrowers have sufficient cash to close and reserves for the subject transaction. |  |  |  | 04/16/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041413 | 356 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | XXXXX be experienced multi-family investor on XXXXX XXXXX XXXXX XXXXXXXXXX XXXXXXXXXX approval from senior management allowing borrowers with out multi-family experience. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves when only XXXXXXXXX is required, XXXX fico score where the minimum required is XXX |  |  |  | 04/16/2026 B | 2 | XXXXXXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041414 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXXX have XXXXXXXXXXXX XXXXX XX reporting XXXXXXXXXX w/ activity in last XXXXXXXXXX or XX reporting XXXXXXXXXX w/ recent activity for XXXXX XXXXX XXXXX XXXXXXXXXX XXXXXXXXXX approval from senior management in file allowing borrowers to have limited credit history. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves when only XXXXXXXXX is required, XXXX fico score where the minimum required is XXX |  |  |  | 04/16/2026 B | 2 | XXXXXXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041415 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX XXXXXXXXX \*\*\* XXXXXXXXXX provided do not source where cash to close of XXXXXXXXXXXXXX for XXXX & XXXX XX XXXXXX transaction came from. XXXX XXXXXXXXXX transfer appears to be for the down payment portion of that transaction. XXXXXXXX satisfactory documentation sourcing the XXXXXXXXXXXXXX and evidencing that it should not be deducted from current balance. \*\*\* XXXXXXXXX is currently short funds to close XXXXXXXXXXXX and reserves XXXXXXXXXXXXXXX XXX deducted cash to close for XXXX & XXXX XXXXXX XXXXXXXXXXXXX from current balance. XXX documentation was provided to show where that cash to close came from, only the XXXXXXXXX downpayment money was sourced. XXXXXXXX documentation that the borrowers have sufficient cash to close and reserves for the subject transaction. | Error |  |  | 04/16/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041418 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXXXX for rural property. |  | Client waived with compensating factors: XXXXXXXX assets after closing. XXXXXXXXX income of XXXXXX where XXXXX is required, XXXX XXXXX where XXXX is required. |  |  |  | 04/17/2026 B | 2 | XXXXXXXXXX | FL | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041419 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX amortized payment was not used to qualify. XXXXXXXX used to qualify was XXXXXXXXXXXX XXXXXX amortized payment XXXXXXXXXXXXX | Received XXXXX with full payment |  |  | 04/22/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041429 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 03/23/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041433 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXXX of the funds used for the XXXXXXXXXX earnest money deposit. XXX subtracted from assets borrower does not have enough reserves XXXXX mo required) | $XXX,XXX wired from XXXXXX on XXXXXX |  |  | 04/20/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041434 | 986 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | XXXXXXXX e-consent dated on or before earliest e-signature event date of XXXXXXXXXXX | Information provided |  |  | 04/17/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041435 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX for the XXXXX unit XXXXX loan program require senior management approval for all mixed use properties. XXXXXXXXX consists of XX rental units and XX commercial units. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor; good pride in ownership living in primary XXXXX years; XXXXX XXXXX no derogatory credit |  |  |  | 04/22/2026 B | 2 | XXXXXXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041436 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXXXXX for the XXXXX unit XXXXX loan program require all units to be occupied for XXXXXX refinance transactions. XX of the XX units are not occupied. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor; good pride in ownership living in primary XXXXX years; XXXXX XXXXX no derogatory credit |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041437 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX the loan approval, XXXXXX information for all units was utilized in the calculation of XXXXXXX XXXXXXXX all pages of XXXXXX agreements. XXXXXXXXXX included only partial lease information for the occupied units. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor; good pride in ownership living in primary XXXXX years; XXXXX XXXXX no derogatory credit |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041438 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXXXX for the XXXXX unit XXXXX loan program require a XXXXX XXXXX to be completed. XX XXXXX XXXXX was not provided. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor; good pride in ownership living in primary XXXXX years; XXXXX XXXXX no derogatory credit |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041441 | 447 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXXXXX less than XX years self employment history. |  | Client waived with compensating factors: XXXX XXXXX where XXXX is XXXXXXXXXXXXXXXXXX XXXX where maximum XXXX allowed is XXXXX XXXX mortgages on credit report are paid as agreed. |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | OR | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041442 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXX income of XXXXX is required, borrower has residual income of XXXXXXXXXXX |  | Client waived with compensating factors: XXXX XXXXX where XXXX is XXXXXXXXXXXXXXXXXX XXXX where maximum XXXX allowed is XXXXX XXXX mortgages on credit report are paid as agreed. |  |  |  | 05/03/2026 B | 2 | XXXXXXXXXX | OR | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041443 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXXXXXX asset statement dated XXXXXXXXXXX expired XXXXXXXXXXXXX XXXXX closed XXXXXXXXXXXXX | Business and personal assets dated XXXXXXX |  |  | 05/03/2026 |  | A | 1 | XXXXXXXXXX | OR | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041445 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX properties are not allowed on XXXXX program. XXXXXXXXXX approval in file allowing for rural property. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXX |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041448 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX approval reflects incorrect loan program. XXXXX is a XXXXX XXXX with a XXXXX term. XXXXXXX provide updated loan approval reflecting correct loan program | Information provided |  |  | 04/23/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041450 | 108 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | XXXXXXX provide the XXXXX | Information provided |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041452 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXXXXXXXX approved bridge transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041453 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX final XXX from bridge loan |  |  |  |  |  | 04/27/2026 A | 1 | XXXXXXXXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041456 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX XXXXXXXXXXX approval to use XXXX statement program for non self employed borrower. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXX where the max allowed is XXX |  |  |  | 04/10/2026 B | 2 | XXXXXXXXXX | NV | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041458 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 04/20/2026 |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693493 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041461 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXX statement spread sheet is missing. |  |  |  | 04/15/2026 |  | A | 1 | XXXXXXXXXX | NV | 1 | 13 A | A | A |  | Non-QM | 1 |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10099296 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXXX XXXXXX properties are ineligible on XXXXX program XXXXXXXXXX XXXXXXXXX XXXXXX property on XXXXXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with comp factors: XXXXX XXXX when min XXXXX is XXXXX XXXXX XXXXXXX when min XXXXX is XXXXXXXX XXXXXXXXX XXXX when max XXXX allowed is XXXXX XXXXXXXX months reserves when only XX months are required. XXXXXXXXXXXX XXXXXXXXXX |  |  |  | 04/22/2026 B | 2 | XXXXXXXXXX | KY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041465 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX the credit report for the primary borrower/guarantor. XXXXX the credit report the co-borrower/co-guarantor was provided. |  |  |  | 04/20/2026 |  | A | 1 | XXXXXXXXXX | IN | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041468 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXXXXXX of four XXXXXX tradelines are required where the borrower(s) only have two XXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXXXXXX of XXXXXXXX months. |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041469 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX XXXXXX of XXXXXXXXX exceeds the guideline maximum allowed of XXXXXXX XXXX guidelines, XXXXXXXX XXXXXX > XXXXX up to XXXXX is allowed with XXXXX XXXXX approval. XXX evidence of XXXXX XXXXX review and approval was provided in the loan file. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXXXXXX of XXXXXXXX months. |  |  |  | 04/28/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041470 | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX of XXXXXXXXX exceeds the guideline maximum of XXXXXX XXXX guidelines, if a majority of the income used to qualify is from a fixed income source, the maximum debt ratio is XXXXXX XXXXXXXXXXX income is XXXXXXXXXXXX where XXXXXXXXXXXX is from fix income source. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXXXXXX of XXXXXXXX months. |  |  |  | 04/28/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041472 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXX needed for rural property with XXXX XXXXXXX > XXXX maximum under the XXXXXX XXXXXX XXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the maximum allowed is XXXXX XXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX and XXXX fico score where the minimum required is XXXXX |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | MT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041473 | 338 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Contract approval incomplete/not current |  | XXXXXXXX fully executed purchase contract and addendums signed by buyer and seller. | Received ratified contract |  |  | 04/16/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041474 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXXXX loan approval reflecting transaction as a XXXX statement loan. XXX is self-employed and XXXX statements provided to calculate income. | Revised XXXXX XXXXXXXXX provided |  |  | 04/30/2026 |  | A | 1 | XXXXXXXXXX | OH | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041477 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXXXXXXX XXXXXXXXXX needed for both borrowers XXXXXX and XXXXX | Information provided |  |  | 05/04/2026 |  | A | 1 | XXXXXXXXXX | OK | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041478 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXXX must have multifamily investment experience, XXXXXXXXXX XXXXXXXXX XXXXXXX family investment experience. |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX w/comp factors: XXXXX XXXX when min XXXXX of XXXX required, XXXXXXX months reserves when only XX months reserves required, XXXXXXXXXXXX investor |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | AZ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041479 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower to be self employed XX year and XXX months. XXXXXXXXXXX require a minimum of XX years. |  | Client waived with compensating XXXXXXXXXXX month reserves where XX are required, XXXXX in residual income where XXXXX is required, XXXX of XXXX when XXX is the max. |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | AR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041480 | 848 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - ECOA- missing evidence of disclosure of appraisal report to borrower promptly upon completion or within 3 days of closing, or evidence that borrower waived right to receive |  |  | Information provided |  |  | 04/28/2026 |  | A | 1 | XXXXXXXXXX | AR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041489 | 496 | XXXXXXXXXX | Valuation | Appraisal |  | Appraisal - Compliance \ Appraisal - If "Subject to Completion"-a Completion Cert (form 442 or 1004D dated March 2005) & original photos is required |  | XXXXXXX provide the updated XXXXXXXXXXX XXXXXXXXXXXXXX | Information provided |  |  | 04/21/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041491 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower is self-employed for less than XX years and does not meet the guideline requirement under the XXXXXX XXXXXX XXXX XX program. XXXX borrower is self-employed for XX year. |  | Client waived with compensating factors: XXXX borrower has a XXXX XXXXX with a minimum XXXXX of XXXXXX XXXX XXXXX to XXXXXXX ratio is XXXXXXXXX and the max XXXXX to XXXXXXX XXXXXX is XXXXXX XXXX residual income is XXXXXXXXXXXXX and the minimum residual income is XXXXXXXXXX |  |  |  | 04/22/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041496 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX XXXXXXXXXX property is in a declining market. XXXX appraisal this is due to subject last sales XXXXX XXXXXXXXXXX for XXXXXXXXXXXXXXX XXX is now selling for XXXXXXXXXXXX | SR XXXXX XXXXXXXX |  |  | 04/28/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041500 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX units are under the minimum square footage required under the guideline for XXXXX family XXXXXXXXXXX XXXXX program. XXXX XX units of the subject property must be XXXX square feet. XXXXX XX is under XXXX at XXXX sqare feet. |  | Client waived with compensating factors: XXXXX is XXXXXX and required is XXXXXXXX XXXX borrower has XXXXXXXXXXXXXX or XXX months reserves and the required is XX months. XXXX borrower has XX years of self employment and co-borrower has XX years of self employment. |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041501 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX borrowers do not have experience managing multifamily properties which is required under the XXXXXXXXX XXXXX XXXXX XXXXX program. |  | Client waived with compensating factors: XXXXX is XXXXXX and required is XXXXXXXX XXXX borrower has XXXXXXXXXXXXXX or XXX months reserves and the required is XX months. XXXX borrower has XX years of self employment and co-borrower has XX years of self employment. |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041502 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXX one year self employment. XXXX guidelines two years is required. |  | Client waived with compensating factors: XXXXX XXXXXXXX where XXXX is minimum, XXXX XXXXXXX in subject property, XXXXXXXXX income of XXXXXXXXXXX where XXXXX is required. |  |  |  | 04/21/2026 B | 2 | XXXXXXXXXX | UT | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041506 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX is a log cabin on XXXXXXX acres. XXXXXXXXX type and acreage is not allowed. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX at XXXX when max XXXX for XXXX score is XXXXXX XXXXXXXXX income of XXXXXXXXXXX when the minimum is XXXXXXXXX XXXXXXXXX of XX months is required. XXXXXXXXXX have XXXXXXXX months |  |  |  | 04/15/2026 B | 2 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041507 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, taxes and insurance should escrowed. XXXXXXXXX is not escrowing. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX at XXXX when max XXXX for XXXX score is XXXXXX XXXXXXXXX income of XXXXXXXXXXX when the minimum is XXXXXXXXX XXXXXXXXX of XX months is required. XXXXXXXXXX have XXXXXXXX months |  |  |  | 04/15/2026 B | 2 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041520 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX that do not contain a minimum of XXXX square feet of gross living area may be permitted with senior management approval. XXXXXXXX is XXXX square feet. XXXXXXXXXX approval from XXXXXXX XXXXXXXXXXX in file allowing XXXX sq ft subject property. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX XXXXX of XXXXXX when only XXXXXX is required and XXXX fico score where the minimum required is XXXXX |  |  |  | 04/20/2026 B | 2 | XXXXXXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10286578 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, each unit/property muxt be XXXX XXX or larger. XXXXXXXX is not. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XX months reserves are required, borrower has XXXXXXX months. XXXXXXXX score for XXXX XXXX is XXXXXX XXXXXXXXX has a XXXX score. XXXXXXXX XXXXX is XXXXXXX XXXXX XXXXX is XXXXXXXX |  |  |  | 04/20/2026 B | 2 | XXXXXXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041524 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXXXXXXXX approval for borrower owning XX out of the XX total units in project. XXXX allowed is XX in a project with less than XXX units. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXXX XXXXX of XXXXXXX where the minimum required is XXXXX |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | WI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041534 | 436 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | XXXXXXXX verbal XXXX obtained within XXX calendar days prior to the note date for self-employment income as required per guidelines. | VVOE uploaded |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | MD | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041535 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX a signed and dated letter of explanation for the subject property listed for sale XXXXXXXXXXX and removed on XXXXXXXXXX to include the reason for the prior listing and the borrower's intent to occupy the subject property as required by guidelines. | Letter of XXXXXXXXXXXX provided. |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | MD | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041536 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXXXX verification that the XXXXXXXXX mortgage payment was paid on time to confirm XXXXXXXX payment history as required under the XXXXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX | Statement provided evidencing loan due for XXXXXXXX with no lates noted. |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | MD | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041537 | 447 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXXXXXXXXX does not meet the minimum two year self employment history for the business XXXX statement program. XXXXXXXXXXXX business started XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum XXXXXXXXX XXXX of XXXXXXXX where the guideline maximum is XXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months. |  |  |  | 04/28/2026 B | 2 | XXXXXXXXXX | OR | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041548 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX for the XXXXX loan program require XXXXXXX XXXXXXXXXXX approval for all XXXXXXXXX XXXXXXX transactions. XXXX the XXXXXXXXXXX a relationship existed between the XXXXXX and XXXXXXXX |  | Exception approval received for non-arms length transaction. XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXX |  |  |  | 04/21/2026 B | 2 | XXXXXXXXXX | MD | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041552 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX shock is over required XXX and over the client discretionary approval of XXX at XXXXXXX as primary residence is owned free and clear. |  | Client waived with compensating factors: XXXXX is XXXX and the minimum XXXXX is XXXXXX XXXX reserves are at XXXXXXXXXXXXXX or XXX months and the required reserves are XX months. XXXX borrower has owned the primary residence for XX years. |  |  |  | 04/29/2026 B | 2 | XXXXXXXXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041553 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXXXXXXX require the most recent XXX months mortgage history to be provided. XXXXXXX report dated XXXXXXXXXXXXX XXXXXXXX evidence the XXXXXXXXXXXXXXXX mortgage payments for the borrower's primary residence were made. | Received current and transferred mortgage history |  |  | 04/26/2026 |  | A | 1 | XXXXXXXXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041554 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXXXXXXXXX require borrower to be self-employed a minimum of XX years. XXXXXXXXX switched from XXXX employment to XXXXX XXXXXXX but has been in same line of work for over XX years. |  | Client waived with compensating factors: XXXX XXXXXXX when the max allowed is XXXXX XXXX XXXXX when the minimum requirement is XXXXX XXX months reserve when the minimum requirement is X |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | OH | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041555 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX the XXXXXXX XXXXXXX for XXXXXXXXX XXXXXXXXXXXXXX |  |  |  | 04/30/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041556 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX initial XXXXXXXXXXXXXXXXX for XXXXXXXXXXXXXXXXXXXXXXXX is missing |  |  |  | 04/30/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041557 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final signed XXXXXXXXXXXXXXXXX is missing for XXXXXXXXX XXXXXXXXXXXXXXXX | Information provided |  |  | 04/30/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10473398 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX approval to be corrected with the correct loan program. XXXXXX XXXXX XXXXXXXXX to reflect XXXXXXXXXXXX XXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX reflects XXXXXX XXXXX XXXX however loan closed under the XXXXXX XXXXXXXXXX doc type. | Received revised approval for XXXXXX XXXXXXXXX |  |  | 04/28/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693565 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041559 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX XXXXXXXXX states brw hired date XXXXXXXXXXXXX XXXX loan aplication states brw hire date XXXXXXXXXXXXX XXXX XXXX states hire date XXXXXXXXXXX XXXXXXXX XXXXX and loan approval to match XXXXXX |  | Client waived with compensating factors: XXXX XXXX XXXXX brws XXXXXXXX XXXXX XXXXXXXX XXXXX XXXXX brws XXXX XXXXXX XXXX XXXX XXXXX brws XXXXXXXX XXXXXX |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693565 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041560 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXXXX XXXXXX should be limited to XXXXXXX XXXX borrowers who do not have a current housing payment, or own a home free and clear, payment XXXXXX is considered for reasonableness and should be reviewed with senior management. |  | Client waived with compensating factors: XXXX XXXX XXXXX brws XXXXXXXX XXXXX XXXXXXXX XXXXX XXXXX brws XXXX XXXXXX XXXX XXXX XXXXX brws XXXXXXXX XXXXXX |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041562 | 868 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXXXXXXX XXXXXXX does not include XXXXXXX number or expiration date | Information provided |  |  | 04/17/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041563 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX investor concentration in condo project, XX sets of investors own XXXX units. XXX one entity may own more than XXXX of the units in projects with XXX or more units or more than XX units in projects with XX to XXX units without senior management approval. XXXXXXXXXX approval from senior management in file allowing subject property to be in a high investor condo project. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 04/16/2026 B | 2 | XXXXXXXXXX | UT | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041567 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the maximum investor concentration is XXXXXX XXXXXXXXXX at XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX XXX on current mortgage. XXXXXX month reserves required. XXXXXXXXX has XXXXXXX months. XXXXX minimum is XXXXXXX XXXXX XXXXX is XXXXXXX |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | HI | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041568 | 219 | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | XXXXXXX provide the final XXXXXX settlement statement. | Information provided |  |  | 04/21/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041570 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 04/27/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041571 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided |  |  | 04/27/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041572 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower has less than the required years of self-employment required under the XXXXXX XXXXXX XXXX XX XXXX statement program. XXXX years is the required length of self-employment and the borrower has XX year. |  | Client waived with compensating factors: XXXX borrower has lived in the previous primary residence for XXX years. XXXX XXXXX is XXXX with a minimum required XXXXX of XXXXXX XXXX borrower has XXXXXXXX and XXXXXXXX is required. |  |  |  | 04/17/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041573 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX updated XXXXX XXXXXXXXX to reflect the correct XXXXXXXXXXX XXXXXXXXX reflects XXXX XXXXXXXXX but correct XXXX based is XXXXXXXXXX | Received revised approval |  |  | 04/21/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041592 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property may not be modified in a manner that has an adverse impact on its marketability as a residential property. XXXXXXXX is a duplex with XX XXXXXXXX |  | Client waived with compensating factors: XXXXX XXXX subject XXXXXX XXXXXX XXXXXXXX XXXX XXXXX brw XXXX XXXXXXX XXXXXXXXX required XXXXXXXXXXXXXX reserves verified XXXXXXXXXXXXXXXX |  |  |  | 04/24/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041344 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXXXX require income to be averaged over XXXX months for asset depletion, however income was averaged over XXX months. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline requirement is XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline requirement is XX months. |  |  |  | 04/23/2026 B | 2 | XXXXXXXXXX | CO | 1 | 1 C B | A | A C B |  | Higher Priced QM (APOR) | 1 |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041345 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXX XXXXXXXXXXX approval is required when an appraisal states the subject property is located in a declining market. XXXXX XXXXXXXXX provided does not indicate an approval for the declining market noted by the appraiser. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline requirement is XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline requirement is XX months. |  |  |  | 04/28/2026 B | 2 | XXXXXXXXXX | CO | 1 | 1 C B | A | A C B |  | Higher Priced QM (APOR) | 1 |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041347 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041348 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041349 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041350 | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXXXXXXXXX XXXXX of XXXX does not meet the minimum program requirement of XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX of XXXXXXXX where the guideline maximum is XXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline minimum is XX with an XXXX less than XXXXX |  |  |  | 04/28/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041361 | 1024 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | XXXXXX of XXXXXXXXXX in gift funds. XXXXX it sourced and where it was deposited for funds to close. | Wire confirmation provided |  |  | 04/29/2026 |  | A | 1 | XXXXXXXXXX | AL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041370 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXXXXXX credit report for XXXXXXXXXX XXXXXXXXXXX |  |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041371 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property has less than XXXX sq ft living space. XXXXXXX is XXXX sq ft each. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXX payment history on XX mortgages XXXX post-closing reserves of XXX months XXXX XXXXX of XXXXXXXX |  |  |  | 05/01/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10042511 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX loan with rolling XXXX delinquency on home equity from XXXXXXXX to XXXXXXX |  | Client waived with compensating factors: XXXXXXXX mortgage paid XXX XX years, XXXX XXXX of XXXXXXXX , XXXXXXXXX is an experienced investor. |  |  |  | 05/05/2026 B | 2 | XXXXXXXXXX | DC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10049634 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXXXXX verification of the borrower's primary mortgage payment history to confirm XXXXXXXX as required per guidelines under the XXXXX XXXXXXXXXX XXXXXXX the borrower's mortgage payment for XXXXXXXXX and XXXXXXXXX were paid on time and the loan closed on XXXXXXXXXXX | received credit supplement |  |  | 05/05/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10069276 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXXXXX for XXXXXXXX | Received XXXXX |  |  | 04/28/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10069277 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXXXXX for the XXXXXXXXXXX | Received XXXXX |  |  | 04/28/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10069278 | 433 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | XXXXXXXXXXXXX is required but only XXXXXXXXXXXXX was verified | Verified assets XXXXXXXXXXXXXX |  |  | 04/29/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10069279 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XX months reserves are required. | Verified assets XXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXXXXXX months |  |  | 04/29/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091494 | 998 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXXX amount of XXXXXXXXXX on XXXXXX does not meet the minimum coverage requirement of XXXXXXXXXX as listed on the note. | Received revised title |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091495 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX tolerance violation of XXXXXXXXXX due to increase in XXXXXXX report- broker fee with no valid coc. XXXXXXXX XXX cured XXXXXXXX leaving an additional refund of XXXXXXXXXX due to borrower. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. |  |  |  | 05/08/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10091496 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 05/08/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097771 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXX per XXXXXXXXX guidelines, a XXXXX XXXX letter is required to know the use of the funds. | Received XXXXX out letter |  |  | 03/10/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097785 | 340 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXXXXXXXXX agent states there is rent loss included but does not cite the amount. XXXXX proof of a minimum of XX months coverage. | Evidence XXXXXXXXXXXXX rent loss provided |  |  | 03/09/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097786 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXXXXXX guidelines, the maximum XXXX for a non-warrantable condo is XXXXXX XXXXX is stacked to XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on current mortgage and XXXXXXXX on past mortgage. XXXXXXXX XXXXX is XXXXXXX XXXXX XXXXX is XXXXXXXX XX minimum of XX months reserves is required. XXXXXXXXX has XXXXXX months reserves. |  |  |  | 03/05/2026 B | 2 | XXXXXXXXXX | NC | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097790 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan amount for program is XXXXXXXXXXXXXX XXXXX amount is XXXXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the maximum allowed is XXXX |  |  |  | 03/11/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097792 | 270 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXXXXXXXXXX for the XXXXXXXXX XXXXXXX XXXXXXXXXX loan program require XX appraisals based on the loan amount of XXXXXXXXXXXXXXXXXX XXXXXXXX XXXX appraisal. | Received XXXX full appraisal |  |  | 03/13/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097796 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXXXX require loans with XXXXX < XXXXX include employment information disclosed on the XXXXXXX XXXX XXXXX does not reflect employment information. | Received XXXXX with employment information disclosed |  |  | 03/25/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097797 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX for a XXXXX cash out refinance with XXXXX < XXX do not permit vacant properties. XXXX subject property is vacant. | Received XX year lease |  |  | 03/26/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097800 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXXXXXXXXXX XXX XXXXXX XXXX investor concentration max XXXX XXXX XXXXXXXXXX request XXXX XXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with comp factors: XXXXX XXXX when min required XXXXX is XXXXX XXXXX XXXXXXX when min required is XXXXX XXXXXX XXXXXXXXXXXX investor, XXXXX mtg history. |  |  |  | 04/07/2026 B | 2 | XXXXXXXXXX | IL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811705 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX XXXXXXXXXXX approval required for lack of multifamily management experience. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required and XXXX fico score where the minimum required is XXX | Reviewer 04/15/2026 06:47 AM; <br>|  |  | 04/15/2026 B | 2 | XXXXXXXXXX | IL | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811737 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXXXXX provide the hazard policy. |  |  | Reviewer 04/23/2026 10:02 AM; HOI provided does not reflect coverage amount. XXXX application is not acceptable<br>Client 04/23/2026 01:51 PM; Coverage amount is listed on page XX of the policy. XXXXXX you. <br>Reviewer 04/23/2026 02:01 PM; <br>Reviewer 04/23/2026 02:07 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 04/23/2026 |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9884655 | 868 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXXXXX amount is not listed on XXXXXXXXXX XXXXXXX |  |  | Client 04/01/2026 12:25 PM; Premium reflected on XXXX invoice in file. XXXXXX you. <br>Reviewer 04/01/2026 12:42 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>Reviewer 04/01/2026 02:33 PM; <br>| 04/01/2026 |  | A | 1 | XXXXXXXXXX | IL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041446 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX XXXXXXXXXXX approval using market rents but treating as a XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXXX of XXXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXX | Reviewer 04/08/2026 01:01 PM; <br>|  |  | 04/08/2026 B | 2 | XXXXXXXXXX | MO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041457 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX tolerance violation for increase in XXXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXX | Information provided |  | Reviewer 04/16/2026 10:00 AM; Received XXXXX and XXXX to borrower. XXXXXX of refund has not been provided<br>| 04/20/2026 |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041497 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX is missing the XXXXXXX conditions addendum form XXXXXXX required for all loans in declining markets with appraisals of XXXX unit properties. | Received XXX addendum. XXXX XXXXX score XXXXX XXXX XXXXXX XXX XXXXXXXXX income XXXXXXXXXX XXXX XXX |  | Reviewer 04/28/2026 11:02 PM; The XXXXXXX form was not received.<br>| 05/04/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041509 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX for XXXX XX XXXXXXXXXXX XXXXXXX XXXXX is missing. XXXX to XXXXX and update income. | Detailed in XXXXXXXXX XXXX (approved by management). XXXXXXXXX owned by the family trust. XXXXXX XXXX XXXXXXX XXXXX XXXXXXXXXXXXX XXXXXXXX XXXXXX pays all expenses. XXXXXXXXX is not the trustee only XXXXXX owner. XXXX the borrower for the property taxes only |  | Client 04/16/2026 05:12 PM; Detailed in XXXXXXXXX XXXX (approved by management). XXXXXXXXX owned by the family trust. XXXXXX XXXX XXXXXXX XXXXX XXXXXXXXXXXXX XXXXXXXX XXXXXX pays all expenses. XXXXXXXXX is not the trustee only XXXXXX owner. XXXXX is why we hit the borrower for the property taxes only, even though the trust pays all expenses.<br>Reviewer 04/16/2026 06:10 PM; Condition has been reviewed <br>| 04/16/2026 |  | A | 1 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041343 | 335 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Calculation Incorrect |  | XXXXXXX from asset depletion was submitted as XXXXXXXXXXXX monthly, however audited income from asset depletion is XXXXXXXXXXXX monthly resulting in a XXXX of XXXXXXXXXX | Additional income XXXXXXXXXX business XXXX statement income XXXXXXXX XXXXX XXXXXXXXX provided XXXX XXXXXX |  | Client 04/27/2026 06:38 PM; Please provide income calculation. XXXXXXX is showing XXXXXXXX XXXXXX XXXXXX you. <br>Reviewer 04/28/2026 07:51 AM; Difference in income is due to lender used closing costs that was less than the closing costs indicated on the XXXXX XXXXXX XXXXXXX XXXXXXXXXXXXXX minus closing costs XXXXXXXXXXXXX = XXXXXXXXXXXXXX / XXX months = XXXXXXXXXXX monthly.<br>| 05/01/2026 |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 C B | A | A C B |  | Higher Priced QM (APOR) | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097770 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX lease for XXXXX XXXXX XXX is not in the file. XXXXX support XXXXXXX or greater. | Four-unit property. XXXXXXXXX touch XXXX is the property manager for the borrower |  | Reviewer 03/10/2026 02:37 PM; Documents provided did not include a lease for XXXXX XXXXX XXXXXX for XXXXXXX<br>Reviewer 03/11/2026 10:00 AM; The XX leases provided reflects the lessor as XXXXXXXXX XXXXXX XXXXXXXXXXXX XXXX and not the borrower XXXXXX XXXXXXXX<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10676907 | 959 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX XXXXXX reflected an initial deposit amount of XXXXXXXXXXXXXX however, block XX on the XXXXXXXX XXXXXXXXXXX dated XXXXXXXXXXX reflected the XXXXXXXX XXXXXXX XXXXXXXX at XXXXXXXX as XXXXXXXXXXXXXXX XXXXXX amounts must match. XXXXXXXX updated XXXXXXX |  |  | Client 04/15/2026 11:07 AM; Hi, if XXXXXX grade, please waive. XXXXXXXX<br>Reviewer 04/15/2026 12:28 PM; <br>Reviewer 04/15/2026 12:35 PM; Hello <br> XXXXX has been updated and will grade as XXXXX<br>XXXXXX<br>|  |  | 04/15/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 D B | N/A | N/A |  | Exempt | 1 |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041417 | 205 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | XXXXXXX provide updated hazard policy with the correct property address per legal description. XXXXXXX & XXXXX XXXXXX XXXXXXX |  |  | Reviewer 04/23/2026 08:31 AM; No documentation provided <br>Reviewer 04/23/2026 08:31 AM; No documentation provided <br>Reviewer 04/23/2026 08:31 AM; No documentation provided <br>Client 04/24/2026 12:07 PM; Per insurance agent regarding the two parcels, the insurance carrier views this as only XX parcel as the XXXX are exactly the same. XXXXXXXX them being split by the road, an XXXXXXXXXX XXXXXXXXXXXX will view the XXXXXXXXXXX XXXXXXX website and see that as one whole lot because XXXXX does not exist when searched. XXX short, the insurance carrier is not going to accept or need another parcel to be added that is already being included as a whole. XXXXXX you. <br>Reviewer 04/24/2026 12:24 PM; <br>Reviewer 04/27/2026 11:45 AM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 04/27/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1693528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041503 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXXXXXXXX of XXXXXXXXXXX of ownership in XXXXXXX XXXXXXXXX and date of self-employment is missing from the file. | Cert of XXXX uploaded to file reflects borrower as sole member. |  | Reviewer 04/23/2026 09:58 AM; documents provided did not verify the date of self employment and the % of ownership<br>Reviewer 04/24/2026 05:57 PM; The business registration provided reflects the formation date of XXXXXXXXXXX but does not reflect borrower as XXXXX owner and the registration status is delinquent.<br>Client 04/27/2026 02:57 PM; Cert of XXXX uploaded to file reflects borrower as sole member. XXXXX has been sufficient to clear in the past. XXXXXX you. <br>Reviewer 04/27/2026 03:11 PM; Condition has been reviewed <br>| 04/27/2026 |  | A | 1 | XXXXXXXXXX | UT | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041523 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX XXXXXXXXXXX approval required for allowing gift funds on an investment purchase. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXXX XXXXX of XXXXXXX where the minimum required is XXXXX | Reviewer 04/24/2026 07:58 AM; <br>|  |  | 04/24/2026 B | 2 | XXXXXXXXXX | WI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041546 | 959 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX XXXXXX reflected an initial deposit amount of XXXXXXXXXXXXX however, block XX on the XXXXXXXX XXXXXXXXXXX dated XXXXXXXXXXX reflected the XXXXXXXX XXXXXXX XXXXXXXX at XXXXXXXX as XXXXXXXXXXXX XXXXXX amounts must match. XXXXXXXX updated XXXXXXX | client acknowledged - monthly escrows are correct |  | Client 04/16/2026 04:01 PM; Please waive if XXXXXXXXXX XXXX XXXXXX you. <br>Reviewer 04/16/2026 04:46 PM; <br>Reviewer 04/17/2026 10:00 AM; Hello <br> XXXXX has been waived. <br>XXXXXX<br>|  |  | 04/17/2026 B | 2 | XXXXXXXXXX | MD | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041569 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | XXXXXXX provide an XXXX as to why the note is dated XX days after the borrower consummated the loan. XXXXXXXXXXXXX date is XXXXXXXXXXX XXXXX date is XXXXXXXXXXX | Information provided |  | Client 05/04/2026 12:55 PM; Title initially wanted to close on XXXXX and switched it to XXXXXXX XXXXX did not swap out the note. XXXXXX you. <br>Reviewer 05/04/2026 12:56 PM; <br>Reviewer 05/05/2026 12:34 PM; Hello <br> XXXXXXX upload XXXX to loan for documentation purposes. <br>XXXXXX<br>| 05/06/2026 |  | A | 1 | XXXXXXXXXX | LA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097773 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX the XXX month history for the property at XXXXX XXXXX XX | Received XXX month pay history |  | Reviewer 03/10/2026 02:37 PM; The documents received did not include a XXX month mortgage history<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041376 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX XXXXXXXXXXX approval for XX new built XXXXXX on subject property. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXXXX XXXX of XXXXXXXX where the max allowed is XXX | Reviewer 04/14/2026 10:59 AM; <br>|  |  | 04/14/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041399 | 357 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXX cash back allowed XXXXXXX per program. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months XXXXXXXXXXXXX fico score where the minimum required is XXXXX XXXXX of XXXXXXX where the minimum required is XXXXXX | Reviewer 04/28/2026 08:17 AM; <br>|  |  | 04/28/2026 B | 2 | XXXXXXXXXX | AK | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041439 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX cash out refinance for a XXXXX XXXXX unit is XXXXXXXXXXXX XXXXXXXX cash out XXXXXXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor; good pride in ownership living in primary XXXXX years; XXXXX XXXXX no derogatory credit | Reviewer 04/23/2026 09:56 AM; Documents provided did not include exception for the cash out amount over XXXXXXXXX<br>|  |  | 04/27/2026 B | 2 | XXXXXXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041451 | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXXX XXXXXXXXXXX approval for XXXX exceeding max allowed of XXXXXX XXXX XXXX is XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 04/23/2026 12:04 PM; <br>|  |  | 04/23/2026 B | 2 | XXXXXXXXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10099295 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | XXXXX is not signed, please provide fully executed note with borrower wet signatures. (property address XXXX XXXXXX XXXXX XXXXXXXX | Information provided |  | Reviewer 04/22/2026 02:23 PM; Note provided does not have correct property address requested<br>| 04/29/2026 |  | A | 1 | XXXXXXXXXX | KY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097772 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXX states the current rent on the subject property is XXXXXXXXX XXXXXXXXX not found to verify this amount. | Property is being leased to the same individual since XXXXXXX XXXXXX lease expired, landlord continued to accept payments. XXX state of XXXXXXXXXXXX updated lease is not required and payments are month to month. |  | Reviewer 03/10/2026 02:35 PM; The leases received are from XXXXX - XXXXX and are not current.<br>Client 03/11/2026 12:31 PM; Property is being leased to the same individual since XXXXXXX XXXXXX lease expired, landlord continued to accept payments. XXX state of XXXXXXXXXXXX updated lease is not required and payments are month to month. XXXXXX you. <br>Reviewer 03/11/2026 12:45 PM; Condition has been reviewed <br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097775 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX the XXX month history for the property at XXXXXX XXXX XXXXXX XX | document received reflects no mortgage. |  | Reviewer 03/10/2026 02:37 PM; The documents received did not include a XXX month mortgage history<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097787 | 435 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | XXXXXXXX updated credit report. XXXX credit report is over the max age of XXX days from the XXXXX date. XXXX credit report in the file is XXXXXXXXXXX and the XXXXX date is XXXXXXXXX which is XXXX days old. |  | Received approval for credit report over XXX days. XXXXXXXXXXXXX XXXXXXXX - score XXXX minimum XXXXX XXXXX XXXXXX minimum XXXXXXX XXXX months reserve minimum XX months | Reviewer 04/08/2026 03:10 PM; the document received was a blank page<br>|  |  | 04/09/2026 B | 2 | XXXXXXXXXX | KY | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097795 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXXX cash out refinance with XXXXX < XXXXX is XXXXXX XXXXX is XXXXXXXXX including XXXXX stacked points. |  | Exception approval received for XXXXXX compensating XXXXXXXX - XXXXXX XXXX minimum XXXXX XXXX mos reserves minimum XX months, experienced investor | Reviewer 03/26/2026 10:05 AM; Document received did not include an exception approval for XXXX XXXX<br>|  |  | 03/27/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7213465 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan exceeds zero tolerance by $9.78 due to increase in Credit Report-Lender Fee with no valid coc. Please provide proof of $9.78 refund along with letter of explanation to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation. | Information provided |  | Reviewer 08/02/2022 12:47 PM; refund provided.<br>| 08/02/2022 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9884654 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | XXXXX does not reflect the interest only terms per final XX | Information provided |  | Reviewer 04/01/2026 12:42 PM; Incorrect note form used - loan closed as XXXXX XXXX note is a fixed rate note. XXXXX copy of note on correct note form. <br>| 04/30/2026 |  | A | 1 | XXXXXXXXXX | IL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041379 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXXXXXXXX require XXXXX for employed borrowers, XXXXX is required for XXX XXXXXX XXXXX from XXXXX XXXXX XXXXXXXXXXX and XXXXXXX | Received dated XXXXX for XXXXXXXXX XXXXX |  | Reviewer 04/21/2026 06:25 PM; The XXXXX received for XXXXXXXXX XXXXXX is not dated by lender.<br>Reviewer 04/22/2026 03:52 PM; The same document was received again and is not dated.<br>| 04/22/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041508 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX per XXXXXXXXX guidelines, payment shock cannot exceed XXXXX XXXXX far exceeds XXXX |  | Exception approval received for XXXXXXXX XXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXX at XXXX when max XXXX for XXXX score is XXXXXX XXXXXXXXX income of XXXXXXXXXXX when the minimum is XXXXXXXXX XXXXXXXXX of XX months is required. XXXXXXXXXX have XXXXXXXX months | Reviewer 04/16/2026 10:05 AM; Provide exception approval for payment shock<br>|  |  | 04/19/2026 B | 2 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811707 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXXXXXXXX approval to trail for appraisers XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXXX score where the minimum required is XXX | Reviewer 04/23/2026 09:13 AM; <br>|  |  | 04/23/2026 B | 2 | XXXXXXXXXX | TN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041407 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX management approval to use monthly expense reports in lieu of full income/expenses form completed by owner |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXXX where the minimum required is XXXXX | Reviewer 04/24/2026 08:46 AM; <br>|  |  | 04/24/2026 B | 2 | XXXXXXXXXX | NC | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041416 | 184 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | XXXXXXX provide update XXXXXX XXXXX with the correct property address per legal description. XXXXXXX & XXXXX XXXXXX XXXXXXX |  |  | Reviewer 04/23/2026 08:31 AM; No documentation provided<br>Reviewer 04/23/2026 08:31 AM; No documentation provided<br>Reviewer 04/23/2026 08:31 AM; No documentation provided<br>| 04/27/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041444 | 868 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXXX of insurance does not provide premium amount |  |  | Client 04/27/2026 01:09 PM; Invoice in file shows premium. XXXXXX you. <br>Reviewer 04/27/2026 01:40 PM; <br>Reviewer 04/28/2026 10:20 AM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 04/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041490 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXXXXX XXX months cancelled checks to evidence rent payments of XXXXXXXXXXXX per months required by the guideline when the verification of rent is from an individual not a management company. |  | Client waived with compensating factors: XXXX borrower has a XXXX XXXXX with a minimum XXXXX of XXXXXX XXXX XXXXX to XXXXXXX ratio is XXXXXXXXX and the max XXXXX to XXXXXXX XXXXXX is XXXXXX XXXX residual income is XXXXXXXXXXXXX and the minimum residual income is XXXXXXXXXX | Reviewer 04/22/2026 06:45 PM; Received evidence of rent payments for XXXX XXXXXX XXXX XXXXX and XXXX XXXXXXX did not receive XXX months payment history<br>|  |  | 04/23/2026 B | 2 | XXXXXXXXXX | UT | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041510 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX for XXXX XXXX XXX property is missing. XXXXXXX XXXXX and update income. | PITI for XXXX XXXX XXXXX XXXX XXXX XXXXX & XXXXXXXX property is not owned by the borrower. |  | Client 04/16/2026 05:13 PM; PITI for XXXX XXXX XXXXX XXXX XXXX XXXXX & XXXXXXXX property is owned by XXXXXX XXXXXXXX XXXXXXXXXXX not our borrower. XXX debt was listed for this property. XXXXXX you. <br>Reviewer 04/16/2026 06:10 PM; Condition has been reviewed <br>| 04/16/2026 |  | A | 1 | XXXXXXXXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10042512 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXXX for cash out greater than XXXXXXXXXX with XXXXX < XXXX borrower received XXXXXXXXXXXXXXX |  | Client waived with compensating factors: XXXXXXXX mortgage paid XXX XX years, XXXX XXXX of XXXXXXXX , XXXXXXXXX is an experienced investor. | Reviewer 05/06/2026 07:01 AM; Max cash out allowed is XXXXXXXXXXXXXX per matrix.<br>|  |  | 05/05/2026 B | 2 | XXXXXXXXXX | DC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097769 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX lease for XXXXX XXXXX XXX is not in the file. XXX must support XXXXXXX a month or greater. | Four-unit property. XXXXXXXXX touch XXXX is the property manager for the borrower |  | Reviewer 03/10/2026 02:37 PM; Documents provided did not include a lease for XXXXX XXXXX XXXXXX for XXXXXXX<br>Reviewer 03/11/2026 10:00 AM; The XX leases provided reflects the lessor as XXXXXXXXX XXXXXX XXXXXXXXXXXX XXXX and not the borrower XXXXXX XXXXXXXX<br>Client 03/11/2026 12:07 PM; For XXXXX and XXXXX XXXXXX XXXXX are XX unit properties and the total of lease agreements for each unit totals XXXXXXX and XXXXXXXXX XXXXXXXXX touch XXXX is the property manager for the borrower. XXXXXX you. <br>Reviewer 03/11/2026 12:39 PM; Condition has been reviewed <br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097789 | 338 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Contract approval incomplete/not current |  | XXXXXX executed purchase contract with seller acceptance missing in loan file. | Received ratified contract of sale |  | Reviewer 03/22/2026 09:37 AM; Document received was a blank page<br>| 03/31/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041547 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX management approval for subject located in declining market. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXX | Reviewer 04/16/2026 03:05 PM; <br>|  |  | 04/16/2026 B | 2 | XXXXXXXXXX | MD | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097791 | 446 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Evidence income continues at least 3 years |  | XXXXXXXX of XX years income continuance required. XXXXXXXXX has XX years and XX months of continuance. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the maximum allowed is XXXX | Reviewer 03/11/2026 01:48 PM; <br>|  |  | 03/11/2026 B | 2 | XXXXXXXXXX | CA | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811732 | 435 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | XXXXXXXX credit report dated no later than XXX days from the note date of XXXXXXXXXXXXX XXXX credit report in the file is dated XXXXXXXXXXX which is XXXX days old. | Updated loan approval reflects management approval of credit up to XXXX days |  | Client 04/21/2026 02:49 PM; Updated loan approval reflects management approval of credit up to XXXX days. XXXXXX you. <br>Reviewer 04/21/2026 03:24 PM; Condition has been reviewed <br>| 04/21/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041375 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXX per XXXXXXXXX guidelines, the maximum XXXX for an XXXXXXXXX XXXXX loan is XXXXXX XXXXX XXXX is XXXX with no stacking shown on the XXXXXX XXXXXXXXXX | Updated XXXXX XXXXXXXXX provided evidencing XXXX is stacked XXXXX |  | Client 05/01/2026 11:57 AM; Confirming base ltv for this loan was XXXXXX XXXXX is within guidelines. XXXXXX you. <br>Reviewer 05/01/2026 04:25 PM; Condition has been reviewed <br>| 05/01/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041449 | 387 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXXX XXXX XXXXXXXXXXX or letter from borrower stating there are no XXXX fees on all owned properties. XXXXXXX shows most properties have XXXX XXXXXX | Tax returns were used to calculate the income. XXXXXX are statements that include XXXX dues on the tax returns XXXXXXXXX XXXX XXXXXXXXXXXXX were based on the bottom number on the XXXXXXXXX XX plus depreciation. |  | Client 04/27/2026 02:24 PM; Tax returns were used to calculate the income. XXXXXX are statements that include XXXX dues on the tax returns. XXX has some XXXXXXXXX XX and XXXXXXXXX XX income plus XXXXXXXXX XXX calculate based on the bottom number on the XXXXXXXXX XX plus depreciation. XXX he had XXXX dues, they are calculated there. XXXXXXX see page XXX of the XXXXXXXXXXXXXX you. <br>Reviewer 04/27/2026 03:01 PM; Condition has been reviewed <br>| 04/27/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041455 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX shock over XXXXXX requires XXXXX XXXXXXXXXXX approval. XXXXXXXX shock on subject is XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXX where the max allowed is XXX | Reviewer 04/10/2026 09:28 AM; <br>|  |  | 04/10/2026 B | 2 | XXXXXXXXXX | NV | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10041346 | 899 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Finance Charge is Understated by more than $100 |  | XXXXXXXX charge understated XXXXXXXXXXXX XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting refund. XXXX must be issued within XXX days of consummation | Information provided |  | Client 04/28/2026 12:07 PM; Compliance team is requesting your calculation for the finance charge so that we may review on our end. XXXXXX you. <br>Reviewer 04/28/2026 12:19 PM; <br>Reviewer 04/29/2026 02:33 PM; Hello <br> XXXX compliance test has been uploaded for your review. <br>XXXXXX<br>| 05/06/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10069275 | 868 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXXXXXXX XXXXXXX has no policy XXX number | Information provided |  | Reviewer 04/30/2026 09:51 AM; No documentation provided<br>Reviewer 05/04/2026 10:11 AM; Document provided is blank<br>| 05/07/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10097774 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX the XXX month history for the property at XXXXX XXXXX XX | Received XXX month pay history |  | Reviewer 03/10/2026 02:37 PM; The documents received did not include a XXX month mortgage history<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10763921 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX XXXXXXXXXXX approval using current rent from new lease to qualify and using the tenant estoppels for units XXXX in lieu of proof of receipt and waived the requirement for unit XXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXXX | Reviewer 04/20/2026 10:27 AM; <br>|  |  | 04/20/2026 B | 2 | XXXXXXXXXX | NJ | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

**Schedule 3. Evolve Valuation Report**

![](evolve-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 06/01/2026 3:35:39 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1685954 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693440 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688846 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX | XXXXXXX | XXXXXX | 11.67% | XXXXXXXX | 1025 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693813 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1693815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1692803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693816 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -5.63% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 0.32% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | ACCEPTABLE | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693456 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX | XXXXXXX |  | 0.00% | XXXXXXXX | Other |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX | XXXXXXX | XXXXXX | 4.55% | XXXXXXXX | 71A |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 71A |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 12.80% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX | XXXXXXX | XXXXXX | 13.59% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692767 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693472 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 71A |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX | XXXXXXX | XXXXXX | 7.45% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | BPO | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXXXX | XXXXX | 1.19% | XXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692774 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -7.26% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -4.48% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693493 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692780 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693498 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| 1693501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -1.23% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692791 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693535 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693549 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693551 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 6.92% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693564 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693565 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXXX | XXXXXX | XXXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -9.64% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693579 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693583 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXXX | -6.87% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693596 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693600 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

**Schedule 4. Evolve Data Compare Report**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 06/01/2026 3:35:39 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1685954 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1685954 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | XXXX | XXXX | Verified |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693440 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693440 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1688836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.522 |  | Verified |
| 1688846 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | Townhouse | Verified |
| 1688929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.136 | 1.100 | Verified |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693813 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.842 |  | Verified |
| 1693813 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1693814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1693815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.26901 | 0.00670 | Verified |
| 1692803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.702 |  | Verified |
| 1693816 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693816 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.274 | 1.290 | Verified |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX |  |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Loan Purpose | NoCash-Out Refinance | Refinance - Cash Out | Verified |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.370 |  | Verified |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.41564 | 0.16626 | Verified |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.39219 | 0.43316 | Verified |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) |  |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Debt Service Coverage | Verified |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693456 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693456 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.211 |  | Verified |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | Mixed Use | Verified |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1692767 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692767 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693472 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.113 | 1.100 | Verified |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.669 | 1.620 | Verified |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX |  |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1692774 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692774 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.15826 | 0.20909 |  |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.816 |  |  |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Full |  |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property City | XXXX | XXXX | Verified |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.050 |  | Verified |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property City | XXXX | XXXX | Verified |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693493 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.085 | 1.110 | Verified |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692780 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1692780 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.47201 | 0.46423 | Verified |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.153 |  | Verified |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXXXX | Verified |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1693507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1693508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.533 |  | Verified |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.005 |  | Verified |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1692791 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693535 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693535 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693549 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693549 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693551 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693551 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX |  |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.825 |  | Verified |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1693564 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo-Mid 5-8 Stories | Verified |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.162 |  | Verified |
| 1693578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693579 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) |  |
| 1693579 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693583 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693583 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.48774 | 0.45061 | Verified |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Higher Priced QM (APOR) |  |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693596 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693596 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693596 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693600 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.684 |  | Verified |
| 1693600 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

**Schedule 5. Evolve QM ATR Data Report**

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 06/01/2026 3:35:39 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1685954 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8574.07 |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1693437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | H-1B Visa |  |  | No |  |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693440 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5083.64 | 04/17/2026 | 7.479% | Self-Employed |  | US Citizen |  |  |  | Yes | $13428.42 |
| 1432753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $25710.00 | 07/27/2022 | 8.384% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $12765.17 |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/10/2026 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7003.39 |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1688835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $14962.52 | 02/20/2026 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10231.07 |
| 1688836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $6115.89 |
| 1688846 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1688929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | Permanent Resident Alien |  | No |  |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693813 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6119.60 |
| 1693814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1692803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | Foreign National |  |  |  | Yes | $10229.61 |
| 1693816 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Unemployed | Not Required | US Citizen |  | US Citizen |  | Yes | $41530.58 |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4531.64 |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1692805 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $70945.00 | 02/23/2026 | 0.00% | Employed |  | Foreign National |  |  |  | Yes | $60254.74 |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $12897.60 | 04/02/2026 | 0.00% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $18827.00 |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693456 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 04/28/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $4923.59 |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | Non Permanent Resident Alien | E-2 Visa |  |  | No |  |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6790.99 |
| 1693821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $18978.77 |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/14/2026 | 7.147% | Self-Employed |  | US Citizen |  |  |  | Yes | $91803.06 |
| 1693467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $65469.64 | 04/20/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $40759.39 |
| 1693469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $30706.64 | 03/13/2026 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $14035.99 |
| 1692767 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 04/16/2026 | 7.197% | Not Required | Employed | US Citizen |  | US Citizen |  | Yes | $11581.60 |
| 1693472 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/08/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $34325.48 | 04/13/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7356.25 | 04/13/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3490.54 |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6170.99 | 04/20/2026 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $1748.57 |
| 1693482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/09/2026 | 7.041% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10650.10 |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1692774 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $20996.11 |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $3013.90 | 04/20/2026 | 7.49% | Retired |  | US Citizen |  |  |  | Yes | $3236.97 |
| 1693490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6366.25 | 04/06/2026 | 6.972% | Employed |  | US Citizen |  |  |  | Yes | $2134.18 |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4543.71 |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693493 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $25695.00 | 04/08/2026 | 7.259% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $28496.75 |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1692780 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693498 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6442.50 | 04/13/2026 | 8.238% | Employed |  | US Citizen |  |  |  | Yes | $2906.33 |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $12808.38 | 04/17/2026 | 8.277% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3019.11 |
| 1693501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | No | $0.00 | 04/20/2026 | 7.393% | Self-Employed |  | US Citizen |  |  |  | Yes | $11132.70 |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10664.73 |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Employed | US Citizen |  | US Citizen |  | No |  |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12415.11 |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | No | $0.00 | 04/20/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4777.78 |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/15/2026 | 7.791% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $25540.17 |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $43813.03 |
| 1692791 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1693528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18396.71 | 04/13/2026 | 6.993% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $9122.89 |
| 1693529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8758.73 | 04/10/2026 | 7.366% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $8117.81 |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693535 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $5208.50 | 04/15/2026 | 7.286% | Employed |  | US Citizen |  |  |  | Yes | $8227.48 |
| 1693536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $13290.57 | 04/22/2026 | 8.385% | Self-Employed |  | US Citizen |  |  |  | Yes | $8467.68 |
| 1693537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7727.54 | 04/22/2026 | 8.242% | Self-Employed |  | US Citizen |  |  |  | Yes | $3804.96 |
| 1693544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $39159.36 | 04/24/2026 | 7.412% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11961.45 |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693549 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8391.31 | 04/20/2026 | 8.483% | Self-Employed |  | US Citizen |  |  |  | Yes | $22515.54 |
| 1693550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693551 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $10768.52 | 04/20/2026 | 7.547% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12937.44 |
| 1693555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5573.87 | 04/08/2026 | 7.394% | Employed |  | US Citizen |  |  |  | Yes | $12506.58 |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4670.00 | 04/17/2026 | 8.075% | Self-Employed |  | US Citizen |  |  |  | Yes | $2275.26 |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $15930.30 |
| 1693563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $8345.00 | 04/17/2026 | 7.949% | Not Required |  | US Citizen |  |  |  | Yes | $3392.10 |
| 1693564 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $7027.03 |
| 1693565 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | Yes | No | $6581.21 | 04/17/2026 | 7.101% | Employed |  | US Citizen |  |  |  | Yes | $2565.64 |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $3890.00 | 04/13/2026 | 7.403% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $3286.83 |
| 1693578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $33009.46 |
| 1693579 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $6395.53 | 04/13/2026 | 7.779% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $4212.02 |
| 1693582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6671.00 | 04/18/2026 | 7.532% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $2878.85 |
| 1693583 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7155.00 | 04/24/2026 | 7.846% | Employed |  | US Citizen |  |  |  | Yes | $6447.11 |
| 1693763 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $14512.00 | 04/29/2026 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $10614.47 |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693587 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $14996.47 | 04/17/2026 | 7.916% | Self-Employed |  | US Citizen |  |  |  | Yes | $7479.53 |
| 1693588 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5631.46 | 04/17/2026 | 7.412% | Self-Employed |  | US Citizen |  |  |  | Yes | $3773.70 |
| 1693713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $12025.59 | 04/23/2026 | 0.00% | Self-Employed | Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $6752.72 |
| 1693590 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | No | $41603.80 | 04/21/2026 | 9.472% | Not Required |  | US Citizen |  |  |  | Yes | $26020.31 |
| 1693596 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10520.00 | 04/23/2026 | 7.031% | Self-Employed |  | US Citizen |  |  |  | Yes | $7724.30 |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693600 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $12104.98 |
| 1693602 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $3130.00 | 04/23/2026 | 7.623% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

**Schedule 7. Evolve Business Purpose Report**

![](evolve-logo.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 06/01/2026 3:35:39 PM** |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1685954 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6800.00 |  | 1025 | No |  | 0 |  |  | 6800 | 2.32 | 2.32 | $2926.29 |  |  |  | No |  |  | NO | $0.00 | $1503.20 | $399.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 46 | 3 | US Citizen |  | 710 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 710 | 718 | 705 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688217 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6000.00 |  | 1025 | No |  | 0 |  |  | 6000 | 1.12 | 1.12 | $5357.48 |  |  |  | No |  |  | NO | $0.00 | $891.00 | $208.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 24 | 7 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXX |  | US Citizen | Stated, Verified | 815 | 760 | 747 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2525.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2525 | 1.54 | 1.54 | $1644.41 |  |  |  | Yes | $96400.00 |  | NO | $0.00 | $363.23 | $117.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 17 | 9 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | Yes | $2690.00 | $2700.00 | FNMA 1007/216 | Leases | No |  | 0 | 47.232 |  | 0 | 0 | 0 | $3216.89 | 20210630 | 6 | Yes | Yes | $64600.00 |  | NO | $0.00 | $329.28 | $64.27 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 93 | 13 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3500 |  |  | 3500 | 1.1 | 1.1 | $3189.81 |  |  |  | Yes | $20000.00 |  | YES | $521.00 | $334.46 | $91.94 | Stated, Verified | NO | 1 | 3 |  | Yes | No | Experienced | 23 | 5 | Non Permanent Resident Alien |  | 661 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 661 | 645 | 667 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.48 | 1.48 | $1015.58 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $289.53 | $62.09 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 13 | 0.6 | Non Permanent Resident Alien |  | 736 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 736 | 736 | 750 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 |  | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.41 | 1.41 | $2264.98 |  |  |  | Yes | $47500.00 |  | NO | $0.00 | $279.89 | $90.12 | Stated, Verified | NO | 3 | 5 |  | No | No | Experienced | 60 | 7 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 758 | 746 | 750 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.41 | 1.41 | $2269.70 |  |  |  | Yes | $47500.00 |  | NO | $0.00 | $281.24 | $93.49 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 62 | 7.6 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 758 | 746 | 750 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $12650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 12650 | 1.31 | 1.31 | $9630.67 |  |  |  | Yes | $52100.00 |  | NO | $0.00 | $860.23 | $393.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 11 | 5.6 | US Citizen |  | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 724 | 736 | 748 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692746 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7738.00 | $8600.00 | Other | Leases | No |  | 0 |  |  | 7737.5 | 1.6 | 1.6 | $4832.05 | 20261026 | 12 | Yes | Yes | $103200.00 |  | NO | $0.00 | $532.42 | $510.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 13 | 1 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 767 | 768 | 759 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1688836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 49.952 |  | 0 | 0 | 0 | $1313.86 |  |  |  | Yes | $50500.00 |  | NO | $0.00 | $45.11 | $152.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 907 | 5 | US Citizen |  | 682 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688846 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $5000.00 | $2625.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2625 | 1.02 | 1.02 | $2561.07 | 20260801 | 12 | No | Yes | $43500.00 |  | NO | $0.00 | $200.43 | $84.75 | Stated, Verified | NO | 9 | 12 |  | No | No | Experienced | 81 | 0 | US Citizen |  | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692749 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $1620.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1620 | 1.2 | 1.2 | $1347.77 | 20301231 | 48 |  | Yes | $19100.00 |  | NO | $0.00 | $100.04 | $99.00 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 13 | 2 | US Citizen | US Citizen | 722 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 710 | 722 | 784 | XXXXXX | XXXXX |  | US Citizen | Stated, Verified | 625 | 660 | 669 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | 1025 | No |  | 0 |  |  | 3000 | 1.48 | 1.48 | $2032.96 |  |  |  | Yes | $33000.00 |  | NO | $0.00 | $140.22 | $164.58 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 95 | 4.2 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $12200.00 | $12200.00 |  | Leases | No |  | 0 |  |  | 12200 | 0.92 | 0.92 | $13234.39 | 20240331 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $1823.58 | $167.84 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 143 | 40 | US Citizen |  | 711 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1688929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $1050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 9.66 |  | 0 | 0 | 0 | $985.51 |  |  |  | Yes | $13000.00 |  | NO | $0.00 | $50.12 | $91.75 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 10 | 1 | US Citizen |  | 698 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXX |  | US Citizen | Stated, Verified | 698 | 640 | 711 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6487.00 | $4356.00 | Other | Leases | No |  | 0 |  |  | 6487.06 | 1.13 | 1.13 | $5739.52 | 20270430 | 12 | No | Yes | $91039.00 |  | NO | $0.00 | $1280.25 | $263.34 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 26 | 4.6 | US Citizen | Permanent Resident Alien | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 800 | 774 | 794 | XXXXX | XXXXX |  | Permanent Resident Alien | Stated, Verified | 756 | 780 | 775 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.1 | 1.1 | $1811.95 |  |  |  | Yes | $45000.00 |  | YES | $500.00 | $86.70 | $55.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 17 | 1 | US Citizen |  | 783 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2150.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.03 | 1.03 | $1839.36 | 20270131 | 12 | No | Yes | $27600.00 |  | NO | $0.00 | $184.42 | $123.33 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 164 | 3 | US Citizen | US Citizen | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 785 | 757 | 752 | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 758 | 762 | 758 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1691830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 6448 |  |  | 4836 | 1.78 | 1.78 | $2720.51 |  |  |  | Yes | $25000.00 |  | YES | $668.60 | $229.16 | $68.33 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 4 | 20 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $11637.00 | $12000.00 | Other | Leases | No |  | 0 |  |  | 10821.97 | 1.29 | 1.29 | $8372.34 | 20261031 | 12 | Yes | Yes | $139644.00 |  | NO | $0.00 | $2147.33 | $762.14 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 41 | 0.1 | US Citizen |  | 688 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693812 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.15 | 1.15 | $1299.42 |  |  |  | Yes | $18000.00 |  | NO | $0.00 | $65.17 | $96.58 | Stated, Verified | NO | 1 | 14 |  | No | No | Experienced | 122 | 2 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 726 | 728 | 724 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693813 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1575.00 | FNMA 1007/216 |  | No |  | 0 | 26.922 |  | 0 |  |  | $1870.97 |  |  |  | Yes | $11300.00 |  | NO | $0.00 | $429.52 | $434.00 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 47 | 6 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1000 | 1.2 | 1.2 | $833.77 |  |  |  | Yes | $15000.00 |  | NO | $0.00 | $80.43 | $190.23 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 28 | 0 | US Citizen |  | 689 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2400.00 | $2050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2050 | 1.15 | 1.15 | $1777.62 | 20260731 | 12 | No | Yes | $40200.00 |  | NO | $0.00 | $351.89 | $139.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 100 | 7 | US Citizen |  | 673 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 0.67 |  | 0 |  |  | $5701.39 |  |  |  | Yes | $25000.00 |  | YES | $464.00 | $971.53 | $68.79 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 18 | 9 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693816 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1395.00 |  | FNMA 1007/216 | No |  | 0 |  |  | 1395 | 1.32 | 1.32 | $1054.79 |  |  |  | Yes | $5000.00 |  | NO | $0.00 | $166.94 | $109.71 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 57 | 4 | Permanent Resident Alien |  | 689 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXXXXXX |  | Permanent Resident Alien | Stated, Verified | 691 | 689 | 683 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7738.00 | $8349.00 | Other | Leases | No |  | 0 |  |  | 7486.5 | 1.29 | 1.29 | $5806.22 | 20260430 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $927.74 | $504.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 24 | 3.6 | US Citizen | US Citizen | 695 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1689003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2575.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2575 | 1.18 | 1.18 | $2191.39 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $550.45 | $114.47 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 165 | 8 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 812 | 794 | 774 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692751 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2450.00 | Other | 1025 | No |  | 0 |  |  | 2450 | 2.1 | 2.1 | $1166.66 |  |  |  | Yes | $20000.00 |  | NO | $0.00 | $269.74 | $105.42 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 59 | 3 | US Citizen |  | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $4400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4400 | 1.31 | 1.31 | $3356.62 | 20270131 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $89.32 | $110.26 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 193 | 9 | US Citizen | US Citizen | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 734 | 729 | 697 | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 722 | 721 | 687 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $5500.00 | $8325.00 | Other | Leases | No |  | 0 |  |  | 4750.75 | 1.25 | 1.25 | $3799.35 | 20261231 | 12 | No | Yes | $60000.00 |  | NO | $0.00 | $627.80 | $274.89 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 1 | 1.6 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 787 | 755 | 786 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7525.00 | $8250.00 | Other | Leases | No |  | 0 |  |  | 7579.5 | 2.3 | 2.3 | $3289.23 | 20270430 | 12 | Yes | Yes | $60000.00 |  | NO | $0.00 | $603.11 | $275.78 | Stated, Verified | NO | 2 | 2 |  | No | No | Experienced | 1 | 1.6 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 789 | 775 | 788 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $6900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 13.557 |  | 0 | 0 | 0 | $18626.62 |  |  |  | Yes | $99000.00 |  | NO | $0.00 | $2812.50 | $184.87 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 115 | 4 | US Citizen | US Citizen | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Unemployed | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7800.00 | $9200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 7366 | 1.19 | 1.19 | $6212.88 | 20271130 | 24 |  | Yes | $85000.00 |  | NO | $0.00 | $1375.62 | $610.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 23 | 8.9 | Permanent Resident Alien |  | 681 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4050.00 | $4475.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3761.83 | 1.25 | 1.25 | $3006.76 | 20260430 | 12 | Yes | Yes | $54000.00 |  | NO | $0.00 | $329.00 | $313.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 8 | 9 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 779 | 788 | 754 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6752.50 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5402 |  |  | 5402 | 1.93 | 1.93 | $2795.94 |  |  |  | Yes | $4000.00 |  | YES | $431.00 | $320.50 | $126.94 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 106 | 0 | US Citizen |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 |  | No |  | 0 | 16.626 |  | 0 |  |  | $3437.53 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $251.45 | $106.67 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 43 | 2 | US Citizen |  | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2850 | 0.99 | 0.99 | $2873.71 |  |  |  | Yes | $23330.00 |  | NO | $0.00 | $375.52 | $414.34 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 86 | 3 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 714 | 712 | 728 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $11000.00 | $12600.00 | Other | Leases | No |  | 0 |  |  | 10391.67 | 1.74 | 1.74 | $5964.95 | 20261031 | 12 |  | Yes | $132000.00 |  | NO | $0.00 | $1240.18 | $573.70 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 95 | 16 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $10250.00 | $10350.00 | Other | Leases | No |  | 0 |  |  | 9683.34 | 1.61 | 1.61 | $6020.76 | 20270228 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1682.16 | $526.80 | Stated, Verified | NO | 2 | 8 |  | No | No | Experienced | 86 | 1 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692753 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $12775.00 | $12775.00 | Other | Leases | No |  | 0 |  |  | 12194.42 | 1.17 | 1.17 | $10425.93 | 20270331 | 12 | No | Yes | $132000.00 |  | NO | $0.00 | $1540.61 | $412.58 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 35 | 2 | US Citizen | US Citizen | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 795 | 801 | 765 | XXXXXX | XXXX |  | US Citizen | Stated, Verified | 804 | 777 | 740 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692754 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3301.42 |  | Short Term Rental Documents | Yes | Other | 2476 |  |  | 2476.06 | 1 | 1 | $2469.50 |  |  |  | Yes | $75000.00 |  | YES | $454.00 | $337.73 | $86.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 165 | 1 | US Citizen |  | 786 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692755 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $24700.00 | $2470.00 | Other | Leases | No |  | 0 |  |  | 23095 | 1.05 | 1.05 | $21935.45 | 20260830 | 12 |  | Yes | $28900.00 |  | NO | $0.00 | $4823.86 | $962.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 72 | 1 | Non Permanent Resident Alien |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 808 | 761 | 770 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 34.418 |  | 0 |  |  | $3622.73 |  |  |  | No |  |  | NO | $0.00 | $663.49 | $165.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 9 | 15 | US Citizen |  | 800 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3300.00 | $2200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3300 | 1.26 | 1.26 | $2615.50 | 20260630 | 12 |  | Yes | $35400.00 |  | YES | $26.67 | $438.65 | $181.00 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 17 | 3 | US Citizen | US Citizen | 723 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692757 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3200.00 | $3600.00 |  | Leases | No |  | 0 |  |  | 2400 | 1.32 | 1.32 | $1812.57 | 20261201 | 12 | Yes | Yes | $39600.00 |  | NO | $0.00 | $142.17 | $161.08 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 54 | 3 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 740 | 738 | 735 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $25200.00 | $25200.00 | Other | Leases | No |  | 0 |  |  | 25200 | 1.53 | 1.53 | $16478.66 | 20301014 | 60 |  | Yes | $0.00 | Yes | NO | $0.00 | $1008.45 | $898.60 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 16 | 1 | US Citizen |  | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXX |  | US Citizen | Stated, Verified | 746 | 782 | 777 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 47.01 |  | 0 |  |  | $1858.26 |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $145.16 | $189.99 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 235 | 1 | US Citizen | US Citizen | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4895.00 | $5125.00 |  | Leases | No |  | 0 |  |  | 4743.5 | 1.57 | 1.57 | $3018.11 | 20280131 | 36 | No | Yes | $33750.00 |  | NO | $0.00 | $449.21 | $265.77 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 30 | 5 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 744 | 729 | 707 |  |  |  |  |  |  |  |  | Retired |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $10900.00 | $12200.00 | Other | Leases | No |  | 0 |  |  | 8885.83 | 1.91 | 1.91 | $4655.61 | 20270402 | 12 | No | Yes | $25960.00 |  | NO | $0.00 | $370.07 | $497.01 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 17 | 6 | US Citizen |  | 689 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $5325.00 | $9000.00 | Other | Leases | No |  | 0 |  |  | 5325 | 1.16 | 1.16 | $4594.22 | 20260201 | 1 | Yes | Yes | $110400.00 |  | NO | $0.00 | $583.58 | $336.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 63 | 4 | US Citizen |  | 765 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1450.00 | $1675.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1450 | 1.1 | 1.1 | $1313.12 | 20260531 | 12 | No | Yes | $34848.00 |  | YES | $225.00 | $266.73 | $53.04 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 58 | 5 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693824 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1550.00 | $1625.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1550 | 1.02 | 1.02 | $1514.77 | 20260831 | 12 | No | Yes | $37200.00 |  | YES | $279.50 | $305.98 | $44.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 48 | 5 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1000 | 1.32 | 1.32 | $757.09 |  |  |  | Yes | $12000.00 |  | NO | $0.00 | $58.10 | $144.21 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 117 | 13 | US Citizen |  | 689 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $13762.00 | $17325.00 | Other | Leases | No |  | 0 |  |  | 13120.08 | 1.13 | 1.13 | $11634.02 |  | 12 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $764.30 | $938.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 20 | 7 | US Citizen | US Citizen | 802 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692764 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $5895.00 | $5916.67 | Other | Leases | No |  | 0 |  |  | 4445 | 2 | 2 | $2224.62 | 20261231 | 12 |  | Yes | $65700.00 |  | NO | $0.00 | $477.05 | $145.84 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 21 | 4 | US Citizen | US Citizen | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2600 | 1.01 | 1.01 | $2585.58 |  |  |  | Yes | $0.00 | Yes | YES | $772.00 | $546.43 | $117.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 11 | 1 | US Citizen |  | 753 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 753 | 754 | 704 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692767 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2600.00 | $2600.00 |  | Leases | No |  | 0 |  |  | 2600 | 1.32 | 1.32 | $1968.07 | 20260701 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $255.39 | $136.85 | Stated, Verified | NO | 1 | 26 |  | No | No | Experienced | 110 | 31 | US Citizen |  | 708 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692768 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $15548.00 | $16410.00 | Other | Other | No |  | 0 |  |  | 15225.75 | 1.1 | 1.1 | $13784.87 | 20040331 | 12 | Yes | Yes | $150000.00 |  | NO | $0.00 | $2077.91 | $967.57 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 15 | 33 | US Citizen | US Citizen | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $13000.00 | $13000.00 | Other | Leases | No |  | 0 |  |  | 12629.5 | 1.62 | 1.62 | $7786.83 | 20300731 | 60 |  | Yes | $80000.00 |  | NO | $0.00 | $1930.38 | $601.02 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 84 | 4.3 | US Citizen |  | 791 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1165.00 | $1100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1100 | 1.4 | 1.4 | $757.48 | 20270131 | 12 | No | Yes | $25160.00 |  | NO | $0.00 | $137.85 | $45.93 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 102 | 17 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6550.00 | $7750.00 | Other | Other | No |  | 0 |  |  | 7356.67 | 1.21 | 1.21 | $6089.28 | 20250926 | 1 |  | Yes | $45000.00 |  | NO | $0.00 | $1245.56 | $808.53 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 11 | 3 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2537.00 | $1550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1550 | 1.05 | 1.05 | $1472.76 | 20300929 | 60 | No | Yes | $0.00 | Yes | NO | $0.00 | $149.17 | $111.42 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 13 | 10 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 |  | 1025 | No |  | 0 |  |  | 3200 | 1.52 | 1.52 | $2100.94 |  |  |  | Yes | $49900.00 |  | NO | $0.00 | $410.77 | $260.84 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 17 | 5 | US Citizen | US Citizen | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2025 | 1.13 | 1.13 | $1794.14 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $134.28 | $129.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 119 | 10 | US Citizen |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 694 | 728 | 700 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $8600.00 |  | 1025 | No |  | 0 |  |  | 7450 | 1.55 | 1.55 | $4809.62 |  |  |  | Yes | $63750.00 |  | NO | $0.00 | $446.12 | $187.34 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 39 | 2 | Permanent Resident Alien |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | Permanent Resident Alien | Stated, Verified | 748 | 757 | 743 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692774 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $10285.00 | $11700.00 | Other | Leases | No |  | 0 |  |  | 9111.84 | 1.35 | 1.35 | $6751.20 |  | 12 | Yes | Yes | $62000.00 |  | NO | $0.00 | $512.95 | $497.25 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 17 | 4 | US Citizen | US Citizen | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2910.00 | FNMA 1007/216 |  | No |  | 0 | 20.909 |  | 0 | 0 | 0 | $3564.88 |  |  |  | Yes | $40430.00 |  | YES | $405.00 | $391.69 | $325.27 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 65 | 3 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 726 | 722 | 734 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3250.00 | $3575.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3250 | 1.85 | 1.85 | $1755.91 | 20261001 | 12 |  | Yes | $42900.00 |  | NO | $0.00 | $88.89 | $283.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 27 | 5 | US Citizen |  | 713 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692776 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 | 6.962 |  | 0 |  |  | $1904.15 |  |  |  | Yes | $25300.00 |  | NO | $0.00 | $180.53 | $73.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 36 | 2.1 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692777 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.01 | 1.01 | $1980.36 |  |  |  | Yes | $27117.00 |  | NO | $0.00 | $363.98 | $186.79 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 135 | 10 | US Citizen |  | 678 | 49 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7012.00 | $8098.58 | Other | Leases | No |  | 0 |  |  | 6610.58 | 1.18 | 1.18 | $5590.01 | 20260730 | 12 |  | Yes | $120000.00 |  | NO | $0.00 | $859.38 | $612.08 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 9 | 22 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 690 | 734 | 740 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1695.00 | $1525.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1525 | 1.11 | 1.11 | $1378.31 | 20270331 | 12 | No | Yes | $26750.00 |  | NO | $0.00 | $173.33 | $194.40 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 100 | 29 | US Citizen | US Citizen | 660 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1595.00 | $1700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1595 | 1.39 | 1.39 | $1149.62 | 20270430 | 12 |  | Yes | $15000.00 |  | NO | $0.00 | $30.16 | $96.20 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 122 | 29 | US Citizen | US Citizen | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX | Co-Borrower | Co-Borrower | XXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1200.00 |  | 1025 | No |  | 0 |  |  | 1200 | 1.42 | 1.42 | $847.40 |  |  |  | Yes | $29300.00 |  | NO | $0.00 | $70.92 | $111.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 139 | 2 | US Citizen | US Citizen | 814 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXX |  | US Citizen | Stated, Verified | 818 | 814 | 804 | XXX | XXXXX |  | US Citizen | Stated, Verified | 801 | 785 | 772 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692780 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1565.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1565 | 1.25 | 1.25 | $1253.30 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $144.33 | $38.88 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 118 | 5 | US Citizen |  | 663 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693826 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.02 | 1.02 | $2345.00 |  |  |  | Yes | $0.00 | Yes | YES | $8.33 | $493.17 | $95.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 42 | 22 | US Citizen |  | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $8380.00 | Other | Other | No |  | 0 |  |  | 7956 | 1.4 | 1.4 | $5677.17 |  |  |  | Yes | $170000.00 |  | NO | $0.00 | $937.50 | $129.59 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 27 | 5 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | Yes | $6400.00 | $6400.00 |  | Leases | No |  | 0 | 42.265 |  | 0 |  |  | $5550.59 | 20260930 | 12 | No | Yes | $98225.00 |  | NO | $0.00 | $534.66 | $247.17 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 6 | 3.6 | US Citizen | US Citizen | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXX |  | US Citizen | Stated, Verified | 751 | 757 | 724 | XXXXXXXX | XXXX |  | US Citizen | Stated, Verified | 742 | 709 | 732 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1692781 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2850.00 | $2900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2850 | 1.17 | 1.17 | $2427.24 | 20280228 | 24 |  | No |  |  | NO | $0.00 | $210.52 | $151.10 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 10 | 10 | US Citizen |  | 688 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 693 | 655 | 688 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $10108.00 | $9650.75 | Other | Leases | No |  | 0 |  |  | 9650.75 | 1.24 | 1.24 | $7772.62 | 20270327 | 12 | No | Yes | $5000.00 |  | NO | $0.00 | $1218.75 | $484.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 12 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1350.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.22 | 1.22 | $1068.64 | 20260801 | 12 |  | Yes | $15000.00 |  | NO | $0.00 | $156.65 | $126.83 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 102 | 6 | US Citizen | US Citizen | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXX | XXXX |  | US Citizen | Stated, Verified | 774 | 767 | 751 | XXX | XXXX |  | US Citizen | Stated, Verified | 784 | 766 | 744 | Not Required | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Corporation | XXXX | No |  |
| 1692782 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $11545.00 | $13700.00 | Other | Leases | No |  | 0 |  |  | 8776.42 | 1.34 | 1.34 | $6529.96 | 20251030 | 12 | Yes | Yes | $150000.00 |  | NO | $0.00 | $1354.17 | $796.62 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 49 | 5 | US Citizen |  | 673 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1495.00 | $1495.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1495 | 1.8 | 1.8 | $831.89 | 20260630 | 12 | No | Yes | $17970.00 |  | NO | $0.00 | $139.81 | $109.00 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 111 | 0.08 | US Citizen |  | 802 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 796 | 802 | 807 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4700.00 |  | 1025 | No |  | 0 |  |  | 4350 | 1.03 | 1.03 | $4214.13 |  |  |  | Yes | $164400.00 |  | NO | $0.00 | $841.63 | $191.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 63 | 4.9 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 17.354 |  | 0 |  |  | $4217.65 |  |  |  | Yes | $25000.00 |  | YES | $1196.00 | $396.98 | $122.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 21 | 15 | US Citizen | US Citizen | 816 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 797 | 816 | 819 | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 803 | 817 | 823 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $9600.00 | $9600.00 | Other | Other | No |  | 0 |  |  | 9216 | 1.35 | 1.35 | $6822.12 | 20270131 | 12 |  | Yes | $36600.00 |  | NO | $0.00 | $311.70 | $396.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 19 | 8 | US Citizen |  | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 746 | 777 | 784 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693670 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 1.03 | 1.03 | $2179.54 |  |  |  | Yes | $42400.00 |  | NO | $0.00 | $333.34 | $122.42 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 19 | 0 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 |  | No |  | 0 | 10.694 |  | 0 |  |  | $3981.41 |  |  |  | Yes | $18000.00 |  | YES | $1095.00 | $373.43 | $196.38 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 20 | 10 | US Citizen | US Citizen | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1692791 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1550.00 |  | 1025 | No |  | 0 |  |  | 1550 | 1.09 | 1.09 | $1421.97 |  |  |  | Yes | $18600.00 |  | NO | $0.00 | $252.17 | $75.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 108 | 7 | US Citizen | US Citizen | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 801 | 767 | 780 | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 709 | 687 | 724 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7445.00 | $7395.00 | Other | Leases | No |  | 0 |  |  | 6490.42 | 1.33 | 1.33 | $4877.44 | 20260531 | 12 | No | Yes | $76000.00 |  | NO | $0.00 | $911.08 | $578.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 86 | 0 | US Citizen | US Citizen | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 784 | 789 | 807 | XXXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 792 | 779 | 760 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1400.00 | $1400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1400 | 1.71 | 1.71 | $818.99 | 20261231 | 12 |  | Yes | $13600.00 |  | NO | $0.00 | $50.76 | $18.52 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 88 | 12 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6700 | 2.48 | 2.48 | $2699.55 |  |  |  | Yes | $18800.00 |  | YES | $942.00 | $242.82 | $42.84 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 113 | 13 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6700.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 6700 |  |  | 6700 | 2.73 | 2.73 | $2450.63 |  |  |  | Yes | $18800.00 |  | YES | $998.00 | $217.05 | $42.84 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 14 | 0 | US Citizen | US Citizen | 792 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.1 | 1.1 | $1460.78 |  |  |  | Yes | $0.00 | Yes | YES | $200.00 | $144.98 | $65.25 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 7 | 5 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1693540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4575.00 | $7400.00 | Other | Other | No |  | 0 |  |  | 6581.25 | 1.16 | 1.16 | $5676.13 | 20260228 | 12 | Yes | Yes | $40000.00 |  | NO | $0.00 | $1237.58 | $518.33 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 13 | 2.1 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 755 | 775 | 794 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1071.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1827 | 1 | 1 | $1824.73 | 20200812 | 12 |  | Yes | $35300.00 |  | NO | $0.00 | $237.42 | $96.68 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 79 | 8.9 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1000 | 1.08 | 1.08 | $922.92 |  |  |  | Yes | $13500.00 |  | NO | $0.00 | $64.06 | $160.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 626 | 16 | US Citizen |  | 721 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 709 | 721 | 724 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1200 | 1.18 | 1.18 | $1020.83 |  |  |  | Yes | $15000.00 |  | NO | $0.00 | $95.90 | $160.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 600 | 16 | US Citizen |  | 721 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 709 | 721 | 724 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.11 | 1.11 | $2511.84 |  |  |  | Yes | $35500.00 |  | NO | $0.00 | $37.84 | $478.56 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 95 | 2 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1575.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1575 | 1.49 | 1.49 | $1060.57 |  |  |  | Yes | $35900.00 |  | NO | $0.00 | $303.60 | $117.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 45 | 7 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 777 | 797 | 806 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 3500 |  |  | 2800 | 1.72 | 1.72 | $1624.48 |  |  |  | Yes | $21000.00 |  | YES | $650.00 | $246.51 | $89.79 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 5 | 6 | US Citizen |  | 739 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXXXX |  | US Citizen | Stated, Verified | 685 | 739 | 752 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4050.00 | $4200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4050 | 1.22 | 1.22 | $3312.62 | 20270430 | 12 |  | Yes | $50400.00 |  | NO | $0.00 | $223.78 | $169.82 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 45 | 6 | US Citizen |  | 763 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1100 | 1.1 | 1.1 | $998.23 |  |  |  | Yes | $15600.00 |  | NO | $0.00 | $95.79 | $157.08 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 410 | 4 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXX |  | US Citizen | Stated, Verified | 728 | 753 | 729 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3100.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.01 | 1.01 | $3066.68 | 20260731 | 12 |  | Yes | $19000.00 |  | YES | $641.00 | $405.96 | $83.20 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 12 | 4.2 | US Citizen |  | 699 | 0 | 0 |  |  | 2 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 35.602 |  | 0 |  |  | $2363.94 |  |  |  | Yes | $16000.00 |  | YES | $884.00 | $242.17 | $101.51 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 5 | 6 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXX | Co-Borrower | XXXXXXXX | XXXXXXXXXXXXXX | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693564 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $5050.00 | FNMA 1007/216 |  | No |  | 0 | 20.664 |  | 0 |  |  | $4438.21 |  |  |  | Yes | $35100.00 |  | YES | $1081.33 | $432.29 | $132.20 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 8 | 5 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 779 | 796 | 757 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 1.31 | 1.31 | $1065.12 |  |  |  | Yes | $0.00 | Yes | YES | $195.00 | $154.17 | $34.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 57 | 1 | US Citizen | US Citizen | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $8500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6375 | 1.09 | 1.09 | $5824.65 |  |  |  | Yes | $50000.00 |  | YES | $1552.00 | $1043.08 | $147.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 72 | 5 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXX |  | US Citizen | Stated, Verified | 813 | 794 | 787 |  |  |  |  |  |  |  |  | Retired |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $7500.00 | $6000.00 |  | 1025 | No |  | 0 |  |  | 6000 | 1.11 | 1.11 | $5386.69 | 20260930 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $402.44 | $341.47 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 22 | 8.2 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 756 | 724 | 711 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3025.00 | $3200.00 |  | Leases | No |  | 0 |  |  | 3025 | 1.48 | 1.48 | $2047.31 | 20270308 | 12 | No | Yes | $47700.00 |  | NO | $0.00 | $196.00 | $348.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 16 | 1.8 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 776 | 759 | 725 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 9.693 |  | 0 |  |  | $1462.50 |  |  |  | Yes | $0.00 | Yes | YES | $224.00 | $266.48 | $28.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 17 | 14 | US Citizen | US Citizen | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $11200.00 |  | 1025 | No |  | 0 |  |  | 11200 | 1.53 | 1.53 | $7299.53 |  |  |  | Yes | $140000.00 |  | NO | $0.00 | $1145.84 | $197.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 71 | 5.6 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 793 | 813 | 794 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1693598 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 |  |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 4151 |  |  | 3320.8 | 1.42 | 1.42 | $2339.45 |  |  |  | Yes | $25000.00 |  | YES | $476.00 | $83.44 | $143.87 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 30 | 4 | US Citizen |  | 668 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693600 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2675.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 40.847 |  | 0 |  |  | $3908.85 |  |  |  | Yes | $32100.00 |  | NO | $0.00 | $346.10 | $150.23 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 54 | 2 | US Citizen | US Citizen | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Unemployed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1693605 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3535.00 | $3500.00 |  | 1025 | No |  | 0 |  |  | 3500 | 1.39 | 1.39 | $2515.26 | 20261010 | 12 | No | Yes | $35200.00 |  | NO | $0.00 | $377.08 | $193.12 | Stated, Verified | NO |  |  |  | No | No | Inexperienced | 51 | 15 | US Citizen | US Citizen | 804 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Opus Capital Markets Consultants, LLC ("Opus") Narrative**

![](ex9908001.jpg)

Opus Capital Markets Consultants, LLC

EFMT 2026-NQM6

FORM ABS DUE DILIGENCE 15-E

05.28.2026 Page 1 Public

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549**

**FORM ABS DUE DILIGENCE 15-E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED**

**SECURITIES**

Pursuant to 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-back security to comply with Section 15E(s)(4)(B) of the Securities Exchange Act of 1934 (15 U.S.C. 78o7(s)(4)(B)). Section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence services relate.

**Item 1 – Identity of the person providing third-party due diligence services**

Opus Capital Markets Consultants, LLC

5718 Westheimer Road - Suite 1000

Houston, TX 77057

**Item 2 – Identity of the person who paid the person to provide due diligence services**

Client Name <u>Client Address</u> <br> <u>Ellington Management Group, LLC</u> <u>53 Forest Avenue, Old Greenwich, CT 06870</u> <br>    

NRSRO Name <u>NRSRO Address</u> <br> <u>DBRS, Inc</u> <u>140 Broadway, 43rd Floor New York, NY 10005 </u> <br> <u>Moody's Investors Service, Inc.</u> <u>7 World Trade Center, 250 Greenwich Street New York, NY 10007</u>

**Item 3 – The manner and scope of the due diligence provided by the third party is intended to satisfy the published criteria for due diligence for each NRSRO listed in following table.**

NRSRO <u>Date of published criteria </u> <br> <u>DBRS, Inc </u> <u>● DBRS - Third-Party Due Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – April 2026</u> <br> <u>Moody's Investors Service, Inc.</u> <u>● US Residential Mortgage-backed Securitizations, August 20, 2025</u>

**Item 4 - Description of the due diligence services**

Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description: (1) the type of assets that were reviewed; (2) the sample size of the assets reviewed; (3) how the sample size was determined and, if applicable computed; (4) whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted; (5) whether the organization of the assets conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review as conducted; (6) whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted; (7) whether the compliance of the originator of the assets with federal, state and local laws and regulations was reviewed and, if so, how the review was conducted; and (8) any other type of review that was part of the due diligence services conducted by the person executing this Form. This description should be attached to the Form and contain the heading "Item 4." Provide this description regardless of whether the due diligence performed is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization.

Page 2 Public

**Item 5 – Summary of findings and conclusions of review**

Provide a summary of the findings and conclusions that resulted from the due diligence services that is sufficiently detailed to provide an understanding of the findings and conclusions that were conveyed to the person identified in item 2. This should be attached to the Form and contain the heading "Item 5".

**Certification**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in item 1 of the Form conducted a thorough review in performing the due diligence described in item 4 attached to this form and that the information and statements contained in this Form, including items 4 and 5, which are part of this Form are accurate in all significant respects.

**Opus Capital Markets Consultants, LLC:**

**By:**

**Uriah Clavier**

**Vice President – Head of Operations**

**Date: May 28, 2026**

Page 3 Public

**Item 4 – Description of the due diligence performed**

1) Type of assets reviewed

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 report summarizes the results of a due diligence review performed on a pool of fifty-four
 (54) loans, of which were purchased by Ellington Management Group, LLC ("Customer")
 from an originator (the "Originator") who are a clients of Opus Capital Markets
 Consultants, LLC ("Consultant") under a reliance letter, and for which the
 Originator provided Consultant with a data tape, from which, in each case, 100% of the
 loan population was chosen and loaded into the LauraMac underwriting software. Consultant
 performed a detailed credit review of all loans.

&nbsp;&nbsp;&nbsp;&nbsp;b) As
 detailed herein, the pool contains twenty-five (25) ATR/QM Exempt loans, of which twenty
 (20) are DSCR loans and five (5) are Business Purpose loans, and twenty-nine (29) NQM
 loans that were re-underwritten in accordance with the lender guidelines in terms of
 Exhibit A.

2) Sample Size

&nbsp;&nbsp;&nbsp;&nbsp;a) Consultant
 reviewed all loans submitted on the data tapes.

3) Determination and Computation of Sample Size

&nbsp;&nbsp;&nbsp;&nbsp;a) Consultant
 reviewed all loans submitted on the data tapes.

4) Quality or Integrity of information or data

&nbsp;&nbsp;&nbsp;&nbsp;a) A
 comparison with respect to certain fields on the data tape was performed by comparing
 electronic copies of the original mortgage loan documents provided to the corresponding
 information set forth on the data tape. The comparisons were performed with respect to
 certain Mortgage Loan characteristics, including but not limited to, interest only, sales
 price, note date, occupancy, QM status, loan type, application date, loan purpose, units,
 zip code, interest rate, second mortgage lien amount, original balance, property city,
 FICO, property type, original payment, property address, appraised value, LTV, CLTV,
 and DTI. Discrepancies were reviewed with the originator and the data tape was modified
 if necessary.

5) Origination of the assets conformed to stated underwriting or credit extension guidelines, standards, criteria or other requirements

Page 4 Public

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

Page 5 Public

**Document Review** 

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs** 

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs** 

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Page 6 Public

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and

expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation
of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion
of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were
within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to
consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they
were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have
corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts
disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

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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;iii. Confirm
the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review
the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to
be cured at closing or within 60 days of loan consummation.)

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

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13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent. b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

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**<u>Ability to Repay and Qualified Mortgage Review</u>**

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent. 6. Debts, alimony, and child support obligations

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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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not

rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

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● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)** 

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)** 

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

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● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H <u>ous</u> e Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

● Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

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**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

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**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor does not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal. We did not receive an attestation.

**Value Review Disclaimer** 

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

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● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

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**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

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● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

● Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

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● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

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**Item 5 – Summary of findings and conclusions of review**

**1)** **The following tables provide the summary and conclusions based on the review of the assets by Consultant.**

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Results of quality and integrity of information review – This table shows the results of the review of the quality of the information and integrity of data. The column on the left entitled "Data Element" indicates the data element that was reviewed. The column in the center entitled "Count" indicates the number of loans for which the information in the data tape was incorrect, based on our review.** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;**Total Number of Loans** | &nbsp;&nbsp;54 |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was zero (0) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Results of credit, compliance and value reviews – The following tables show our findings with respect to the number of loans, the final loan grade pursuant to the published criteria of the various rating agencies. The final rating agency grade is reported on the horizontal axis of each table as "Final Grade". The final rating agency grade is based on our review of documents and responses received for the seller or securitizer.** 

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![](ex9908002.jpg)

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## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 1. Opus Standard Findings Detail Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | **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?** |
| 2126835 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-02-03 08:46 | 2026-02-05 08:09 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Resolved-Lender provided signed Notice of right to receive appraisal - Due Diligence Vendor-02/05/2026 <br>Resolved-ECOA Compliant: Appraisal Disclosure provided. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Counter-Reviewed the right to receive appraisal document, however document is not acknowledged by the borrower. Please provide document acknowledged by the borrower or a disclosure worksheet showing the document was sent to the borrower and acknowledged. - Due Diligence Vendor-02/04/2026 <br>Open-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026 <br>Open-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Lender provided signed Notice of right to receive appraisal - Due Diligence Vendor-02/05/2026 <br>Resolved-ECOA Compliant: Appraisal Disclosure provided. - Due Diligence Vendor-02/05/2026<br>| XXXXX right to receive appraisal.pdf<br> Notice of Right to Receive Appraisal.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2126835 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-02-03 13:58 | 2026-02-05 08:08 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/04/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/03/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/04/2026<br>| Appraisal delivered 1.6.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2126835 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-02-03 08:58 | 2026-02-04 13:18 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/04/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/03/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/04/2026<br>| Econsent XXXXX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2136847 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-02-26 10:03 | 2026-02-26 12:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026<br>|  |  |  | CA | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| 2140032 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-09 10:15 | 2026-03-09 15:02 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Audited DSCR of 1.113 is greater than or equal to the Guideline DSCR of 1 An updated appraisal estimates market rent at $X,XXX provided. Per lender guidelines, since the appraised rent (Form 1025) exceeds the existing lease, up to 120% of the current lease can be used, which equals $X,XXX. The DSCR ratio now meets lender requirements, condition resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see market rent doc. - Due Diligence Vendor-03/09/2026 <br> Open-Audited DSCR of 0.927 is below guideline minimum of 1 The Debt Service Coverage Ratio (DSCR) of 0.927 falls below the required 1.0 minimum. <br> This discrepancy exists because audit used the actual lease rent ($X,XXX) while the lender used a higher figure ($X,XXX). Although guidelines allow using Form 1025 market rents up to 120% of the lease amount, this appears to only apply when market rents exceed the lease. Since the lease and market rent are identical ($X,XXX), audit did not apply a gross-up. - Due Diligence Vendor-03/09/2026 |  | Resolved-Audited DSCR of 1.113 is greater than or equal to the Guideline DSCR of 1 An updated appraisal estimates market rent at $X,XXX provided. Per lender guidelines, since the appraised rent (Form 1025) exceeds the existing lease, up to 120% of the current lease can be used, which equals $X,XXX. The DSCR ratio now meets lender requirements, condition resolved. - Due Diligence Vendor-03/09/2026 | Appriasal.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2140032 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-09 10:17 | 2026-03-09 14:52 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Copy of invoice provided, condition resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/09/2026 <br> Open-Invoice - Missing or Incomplete. Audit could not locate a copy of the invoice for the appraisal for $XXX.XX. - Due Diligence Vendor-03/09/2026 |  | Resolved-Copy of invoice provided, condition resolved. - Due Diligence Vendor-03/09/2026<br>| Invoices.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2140029 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-10 15:13 | 2026-03-11 11:28 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/11/2026 <br>Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file.<br> - Due Diligence Vendor-03/10/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/11/2026<br>| Exception.pdf |  | LTV 50, 20% <70%<br> DSCR 2.0419, 1.0419 > 1.0<br> FICO 690,30 pts > 660 min | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| 2140029 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-10 16:38 | 2026-03-11 11:21 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/11/2026 <br>Open-Property type is ineligible due to according to lender guidelines (section 6.1.5.2) minimum square footage requirements are 500 sq ft for a condominium. Subject is at 403 sq ft.. - Due Diligence Vendor-03/10/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/11/2026<br>| Exception.pdf |  | LTV 50%, 25% <75% max<br> DSCR 2.0832, 1.0532> 1.00 Min | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| 2140031 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-11 15:36 | 2026-03-13 11:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing XXXXXXXX XXXX statements - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Complete 12 months that was used for the analysis - Seller-03/13/2026 <br> Open-XXXXXXXX XXXX statements were provided for XX/XXXX through XX/XXXX, need the XXXXXXXX and XXXXXX XXXXXXXX XXXX statements to verify 12 months of bank statement income. - Due Diligence Vendor-03/13/2026 <br> Open-Bank Statement is missing for the month of XX/XXXX and XX/XXXX. Only 10 mos. were provided in file. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Complete 12 months that was used for the analysis - Seller-03/13/2026<br>| Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026<br>| XXXXXXXX Bank Statements.pdf |  |  | CT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2140031 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-11 06:23 | 2026-03-13 11:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/13/2026 <br> Open-XXXXXXXX XXXXX statements were provided for XX/XXXX through XX/XXXX, need the XXXXXXXX andXXXXXX XXXXXXXX XXXX statements to verify 12 months of bank statement income. - Due Diligence Vendor-03/13/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-03/13/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Bank statement is missing for the month of XX/XXXX and XX/XXXX - Due Diligence Vendor-03/11/2026 |  | Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/13/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2140031 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-11 07:30 | 2026-03-13 08:34 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/13/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/13/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. As per guideline requirement invoice is missing in file - Due Diligence Vendor-03/11/2026 |  | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/13/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/13/2026<br>| invoice.pdf |  |  | CT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2140034 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-13 09:06 | 2026-03-17 13:54 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/17/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-03/13/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/17/2026<br>| XXXXXXX E-Consent.pdf |  |  | AZ | Investment | Purchase | NA | XXXX | N/A | N/A |
| 2140036 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-16 11:03 | 2026-03-17 07:06 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/16/2026 <br>Open-Short term rental is Ineligible for Foreign National. - Due Diligence Vendor-03/16/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/17/2026<br>| Exception.pdf |  | LTV 70%, 5%<75% Max<br> Res 65, 53>12 mo Min | FL | Investment | Purchase | NA | XXXX | Originator Post-Close | No |
| 2142308 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-18 11:02 | 2026-03-20 08:05 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/20/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/19/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Missing appraisal invoice - Due Diligence Vendor-03/19/2026 |  | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/20/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/20/2026<br>| invoice.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2142307 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-20 11:37 | 2026-03-23 12:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Uploaded to other finding - Buyer-03/23/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing XXXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/20/2026 |  | Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2142307 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-20 10:30 | 2026-03-23 12:13 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/23/2026 <br> Open-Missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/20/2026 |  | Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026<br>| XX/XXXX.pdf<br> XX/XXXX.pdf |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2142312 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-23 11:21 | 2026-03-23 17:14 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 <br> Counter-Reviewed documentation provided, however still need the XXXXXXXXX XXXX statement for XX/XXXX. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Open-XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026<br>| Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 | XX/XXXX.pdf<br> XX/XXXX.pdf |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2142312 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-23 09:50 | 2026-03-23 17:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 <br> Counter-Reviewed documentation provided, however still need the XXXXXXXX XXXX statement for XX/XXXX. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/23/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |  | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 | XX/XXXX.pdf<br> XX/XXXX.pdf |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2142312 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-23 10:39 | 2026-03-23 14:48 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/23/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/23/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Per GL invoice is required and it is missing in loan file - Due Diligence Vendor-03/23/2026 |  | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/23/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/23/2026<br>| Inv1.pdf |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2144653 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-24 17:31 | 2026-03-25 08:56 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/25/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Per FMC 18 Matrix, maximum cash out permitted is $XXX,XXX, borrower received, $XXX,XXX.XX. - Due Diligence Vendor-03/24/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/25/2026<br>| Exception.pdf |  | Fico 724, 24>700 Min<br> LTV 70%, 5%<75% max<br> Pri Mtg 0x30x40<br> REO Mtg 0x30x44 | NY | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| 2144661 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-23 06:14 | 2026-03-25 08:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the XX/XXXX and XX/XXXX business bank statements - Due Diligence Vendor-03/25/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/25/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |  | Resolved-Lender provided the XX/XXXX and XX/XXXX business bank statements - Due Diligence Vendor-03/25/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/25/2026 | XXX_XXX XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2144661 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-23 08:33 | 2026-03-25 08:33 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/25/2026 <br> Open-XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |  | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements - Due Diligence Vendor-03/25/2026 | XXX_XXX XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2144651 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-24 13:23 | 2026-03-25 14:00 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Lender provided documentation of E-consent prior to appraisal delivery. - Due Diligence Vendor-03/25/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/25/2026 <br>Counter-Reviewed loan file and appraisal transfer documentation was not in the loan file. Please provide appraisal transfer letter and appraisal invoice to document the appraisal transfer. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-This was a transferred appraisal completed prior to the application - Buyer-03/25/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent not provided prior to appraisal delivery - Due Diligence Vendor-03/24/2026 |  | Resolved-Lender provided documentation of E-consent prior to appraisal delivery. - Due Diligence Vendor-03/25/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-03/25/2026<br>| e-consent XX/XX/XXXX.pdf |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| 2144651 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-24 10:57 | 2026-03-25 13:59 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/25/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-consent provided in file is of date XX/XX/XXXX and earliest disclosure signed on XX/XX/XXXX - Due Diligence Vendor-03/24/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/25/2026<br>| XXXXXXXX econsent.pdf |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| 2144657 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-25 12:48 | 2026-03-26 08:41 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2026 <br>Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file.<br> - Due Diligence Vendor-03/25/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/26/2026<br>| Exception.pdf |  | FICO 738, 78 points>660 min<br> Reserves 10 months, 4 months>6 month min<br> All trades on credit were paid 0x30 | GA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| 2144652 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-24 17:17 | 2026-03-26 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Condition resolved. - Due Diligence Vendor-03/26/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/24/2026 |  | Resolved-Condition resolved. - Due Diligence Vendor-03/26/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2026<br>| Final Fraud XXXXXX.pdf |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| 2144659 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-26 13:09 | 2026-03-28 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided all 24 months of the XXXXXXXX XXXX statements. - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/28/2026 <br> Open-Missing 14 months of XXXXXXXX XXXX Statements from XX/XXXX to XX/XXXX. - Due Diligence Vendor-03/26/2026 |  | Resolved-Lender provided all 24 months of the business bank statements. - Due Diligence Vendor-03/28/2026<br>| Statements.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2144659 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-27 08:43 | 2026-03-28 11:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided all 24 months of the business bank statements. - Due Diligence Vendor-03/28/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/28/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing 14 months of XXXXXXXXX XXXX Statements from XX/XXXX to XX/XXXX. - Due Diligence Vendor-03/27/2026 |  | Resolved-Lender provided all 24 months of the business bank statements. - Due Diligence Vendor-03/28/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/28/2026<br>| Statements.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2144662 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-27 11:02 | 2026-03-30 08:37 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Satisfactory payment history provided, condition resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. This should be more than enough I gave back to XX/XXXX - Buyer-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender's Guide Section 5.6.1.5, mortgage verification requires 12 months history to be verified. Audit only confirmed 10 payments from XX/XXXX through XX/XXXX for borrowers' primary residence located on XXXXX XXXX XXXXXX. A full 12-month payment history could not be verified. - Due Diligence Vendor-03/27/2026 |  | Resolved-Satisfactory payment history provided, condition resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/30/2026<br>| Statements.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2144663 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-28 12:52 | 2026-03-30 10:20 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $XXXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/30/2026 <br> Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXXX - Due Diligence Vendor-03/28/2026 |  | Waived-Audited Loan Amount of $XXXXXXXX is greater than the Guideline Maximum Loan Amount of $2000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 | Exception.pdf |  | 3% DTI, 47 < 50% Max<br> SE 26 yrs, 24 > 2 yrs Min<br> Res Inc 875000 | CA | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| 2144656 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-27 06:33 | 2026-05-12 09:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Attached to the other condition - Buyer-03/30/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XXXXXXXXX XXXX Statements are missing for the month of XX/XXXX and XX/XXXX of account #XXXX to calculate Borrower's Monthly Income. - Due Diligence Vendor-03/27/2026 |  | Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/30/2026 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2144656 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-03-27 09:25 | 2026-03-30 10:29 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/30/2026 <br> Open-XXXXXXXX XXXX Statements are missing for the month of XX/XXXX and XX/XXXX of account #XXXX to calculate Borrower's Monthly Income. - Due Diligence Vendor-03/27/2026 |  | Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 | bank statements.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2151724 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-01 09:48 | 2026-04-03 10:17 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/03/2026 <br> Open-Invoice - Missing or Incomplete. Missing or Incomplete. Audit could not locate invoice for appraisal for $XXX - Due Diligence Vendor-04/01/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/03/2026<br>| Appraisal Inv.pdf |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| 2153540 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-03 06:18 | 2026-04-06 13:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. This was just opened XX/XXXX - Buyer-04/03/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-04/03/2026 | Unexpired certificate of Good Standing provided, condition resolved. - 04/06/2026 <br>| Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/06/2026<br>| Certificate.pdf<br>Formation.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2153543 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-08 13:18 | 2026-05-12 09:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/09/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's primary residence, REO 3a on the final application to verify PITI and payoff of prior lien. Additional Conditions may apply - Due Diligence Vendor-04/08/2026 |  | Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/09/2026<br>| HUD.pdf<br>FPL.pdf<br>Note.pdf |  |  | CA | Second Home | Purchase | NA | XXXX | N/A | N/A |
| 2153543 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-08 14:28 | 2026-05-12 09:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/09/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing documentation of the current exchange rate verifying the dollar amount $X,XXX.XX and $XXX,XXX.XX disclosed on final 1003 - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. - Seller-04/09/2026<br>| Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/09/2026<br>| Acct 1.pdf<br>Acct 2.pdf |  |  | CA | Second Home | Purchase | NA | XXXX | N/A | N/A |
| 2153543 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-07 14:30 | 2026-04-09 08:16 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. - Seller-04/09/2026 <br>Open-The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's primary residence, REO 3a on the final application to verify PITI and payoff of prior lien. Additional Conditions may apply. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/09/2026<br>| Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026<br>| FPL.pdf<br>HUD.pdf<br>Note.pdf |  |  | CA | Second Home | Purchase | NA | XXXX | N/A | N/A |
| 2153543 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-08 13:00 | 2026-04-09 08:10 | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/09/2026 <br> Open-Missing documentation of the current exchange rate verifying the dollar amount $X,XXX.XX and $XXX,XXX.XX disclosed on final 1003 - Due Diligence Vendor-04/08/2026 |  | Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026<br>| Acct 2.pdf<br>Acct 1.pdf |  |  | CA | Second Home | Purchase | NA | XXXX | N/A | N/A |
| 2153555 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-09 10:42 | 2026-04-10 07:40 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/09/2026 <br>Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file.<br> - Due Diligence Vendor-04/09/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/10/2026<br>| Exception.pdf |  | 62.5% LTV, 7.5%<70% max<br> 780 FICO, 80>700 min<br> 49 months reserves, 43>6 months required<br> 0x30x31 with mortgage on credit | CA | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| 2155674 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-15 13:27 | 2026-04-16 08:06 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-04/16/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please letter from Landlord, XXXXX payments and exception for the months paid in cash - Buyer-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The lender guideline 3.4.1 requires rent verification from a non-institution the borrower must document prior 12 months cancelled checks or bank statements. The file did not verify a complete 12-month rental history. - Due Diligence Vendor-04/15/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-04/16/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2026<br>| Rental.pdf<br>Exception.pdf |  | FICO score greater than minimum of 680<br> DTI lower than maximum of 45%<br> Reserves greater than minimum of 6<br> Have prior 15 months documented rent received prior to paying cash for full rent<br> Same profession for 3 years. | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| 2155674 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-15 12:48 | 2026-04-15 12:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/15/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| 2155676 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-15 14:27 | 2026-04-16 12:09 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing ACH Form | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/16/2026 <br>Open-Missing ACH Form. A completed ACH form is required for all cash-out refinances with an LTV greater than 70%; the current form in file is blank. - Due Diligence Vendor-04/15/2026 | Fico 743, 43>700 min<br> DSCR 1.25x, .25x>1.0x<br> Res 30 mon, 24 mo > 6 mo min - 04/16/2026 <br>| Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/16/2026<br>| Exception.pdf |  | Fico 743, 43>700 min DSCR 1.25x, .25x>1.0x Res 30 mon, 24 mo > 6 mo min | TX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| 2155673 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-17 14:48 | 2026-04-21 07:37 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided documentation of the gift funds - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited Reserves of 7.29 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026 <br>Open-Audited Reserves of 3.7 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026<br>| Resolved-Lender provided documentation of the gift funds - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited Reserves of 7.29 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/20/2026<br>| PCCD.pdf<br>GIFT.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2155673 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-17 14:41 | 2026-04-20 11:17 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided documentation of the gift funds. - Due Diligence Vendor-04/20/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-04/20/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXXX.XX - Due Diligence Vendor-04/20/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Buyer-04/20/2026 <br> Open-After review of the statement from lender with regards to the gift funds not being required, however removing the gift funds created a shortage for the reserves. Per guidelines with LTV over 80% 6 months of reserves are required and we only have 3.7 - Due Diligence Vendor-04/17/2026 <br> Open-After review of the statement from lender with regards to the gift funds not being required, however removing the gift funds created a shortage for the reserves. Per guidelines with LTV over 80% 6 months of reserves are required and we only have 3.29 - Due Diligence Vendor-04/17/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXXX.XX - Due Diligence Vendor-04/17/2026 |  | Resolved-Lender provided documentation of the gift funds. - Due Diligence Vendor-04/20/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $36189.74 is equal to or greater than Total Required Reserve Amount of $29806.14 - Due Diligence Vendor-04/20/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $100159.2 is equal to or greater than Total Required Reserve Amount of $29806.14 - Due Diligence Vendor-04/20/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $36189.74 is equal to or greater than Total Required Reserve Amount of $29806.14 - Due Diligence Vendor-04/20/2026<br>| GIFT.pdf<br>PCCD.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2155673 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-15 10:23 | 2026-04-20 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Lender provided documentation of the gift funds being received. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026 <br> Open-Based upon Lender statement when the gift funds are removed from the total assets, we are then short for reserves. Please provide additional documentation verifying sufficient reserve amounts. Guidelines require 6 months and we have 3.7 months. - Due Diligence Vendor-04/17/2026 <br> Open-Based upon Lender statement when the gift funds are removed from the total assets, we are then short for reserves. Please provide additional documentation verifying sufficient reserve amounts. Guidelines require 6 months and we have 3.29 months. - Due Diligence Vendor-04/17/2026 <br> Rescinded-Yes, there was a gift letter in the file but there was not gift given for this transaction. All of the money for closing, per the enclosed wire receipt from escrow, were from XXXX #XXXX. <br>There was other money and there was no gift given into XXXX $XXXX. Please rescind the finding on this one. - Due Diligence Vendor-04/17/2026 <br> Open-Gift Documentation Incomplete. Missing proof of transfer of gift funds - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026<br>| Resolved-Lender provided documentation of the gift funds being received. - Due Diligence Vendor-04/20/2026 <br> Rescinded-Yes, there was a gift letter in the file but there was not gift given for this transaction. All of the money for closing, per the enclosed wire receipt from escrow, were from XXXX0 #XXXX. <br>There was other money and there was no gift given into XXXX $XXXX. Please rescind the finding on this one. - Due Diligence Vendor-04/17/2026 | GIFT.pdf<br>PCCD.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2155679 | XXXXXXX | XXXXXXX |  | XXXXXX | Closed | 2026-04-16 05:34 | 2026-04-20 08:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided documentation using the debts from the credit report. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. See updated 1003 DTI is still well within line. - Buyer-04/17/2026 <br> Open-For the Credit and Liabilities, the Credit report shows different payments for several accounts. From 1003 section 2C Debt # 4, 5, 6 does not match the credit report no supporting documents to verify. The 1003 also does not list a payment for XXXX revolving debt, however credit report does show this debt, need supporting documents to exclude this payment. XXX documents is not provided in the loan file. - Due Diligence Vendor-04/17/2026 <br> Open-Please provide more clarification. Please be more specific so that we don't have to be finding a needle in a haystack. - Due Diligence Vendor-04/17/2026 <br> Open-The credit report and 1003 Liabilities some amount is decrease, so, we need supporting documents for those liabilities - Due Diligence Vendor-04/16/2026 |  | Resolved-Lender provided documentation using the debts from the credit report. - Due Diligence Vendor-04/20/2026<br>| XXXXXXXXX XXXXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 2. Opus Rating Agency Grades Summary Report**

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|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **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 PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT 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 PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 2126835 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2136840 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2132467 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2136847 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 2137557 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2140032 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2140029 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2140033 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2140031 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2140034 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2140036 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2140035 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2140030 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142309 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142306 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142311 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142308 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142310 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142307 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2142312 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144650 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144653 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2144661 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144654 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144660 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144651 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144657 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2144658 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144655 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144652 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144659 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144662 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2144663 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2144656 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2151724 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153540 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153549 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153542 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153544 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153553 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153543 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153545 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153550 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153555 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2153539 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153554 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153547 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2153548 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2155674 | XXXXXXX |  | XXXXXXX | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 2155676 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 2155673 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2155678 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2155679 | XXXXXXX |  | XXXXXXX | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2155675 | XXXXXXX |  | XXXXXXX | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 3. Opus ATR or QM Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 2126835 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.183 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 2136840 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2132467 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2136847 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 7.014 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 2137557 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2140032 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2140029 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2140033 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.06 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 2140031 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2140034 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 6.782 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 2140036 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2140035 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2140030 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2142309 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2142306 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Retired | No | No | No |  |
| 2142311 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Employed | No | No | No |  |
| 2142308 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2142310 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2142307 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2142312 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2144650 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2144653 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2144661 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2144654 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2144660 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 6.844 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 2144651 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | Yes |  | No |  |
| 2144657 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2144658 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2144655 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Employed | No | No | No |  |
| 2144652 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2144659 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 2144662 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2144663 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | Yes |  | No |  |
| 2144656 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2151724 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2153540 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2153549 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 2153542 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2153544 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 5.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2153553 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2153543 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | Yes |  | No |  |
| 2153545 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2153550 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 2153555 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2153539 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2153554 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2153547 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Employed | No | No | No |  |
| 2153548 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2155674 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.735 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2155676 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2155673 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2155678 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2155679 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 2155675 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 4. Opus Supplemental Data Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 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 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 |
| ALT ID | **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** | **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** | **ITIN Flag** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Delayed Financing Flag** | **Title Company Name** | **Settlement Agent Company** | **Neighborhood Location** | **Gift Funds** | **Gift Funds Percentage of Total Funds Required** |
| 2126835 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.183% |  | 6.875% | 6.875% | $3547.42 | No |  | $3368.76 | $280.73 | $952.20 | $79.35 | $0.00 | $0.00 | $0.00 | $3907.50 | $68256.78 | N/A |  |  | $0.00 |  |  | 18.54% | 18.51% | 18.51% | 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 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0 | 432714.61 | 110.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2136840 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $900.47 | No |  | $2630.04 | $219.17 | $1020.96 | $85.08 | $0.00 | $0.00 | $0.00 | $1204.72 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.411 | 1.411 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 159528.33 | 132.4 | 159528.33 | 132.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2132467 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | $1231.88 | No |  | $2370.00 | $197.50 | $627.96 | $52.33 | $6024.00 | $502.00 | $0.00 | $1983.71 |  | N/A | XXXXXX | XX | $502.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24077.35 | 12.1 | 24077.35 | 12.1 | No | 85 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2136847 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.014% |  | 6.875% | 6.875% | $3665.66 | No |  | $8750.04 | $729.17 | $4258.56 | $354.88 | $4884.00 | $407.00 | $0.00 | $5156.71 | $4159.38 | N/A | XXXXXX | XX | $407.00 | XX/XX/XXXX | Monthly | 42.23% | 42.23% | 42.23% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 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 |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 133109.43 | 25.8 | 133109.43 | 25.8 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No | 107.63 |
| 2137557 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2484.00 | No |  | $4924.56 | $410.38 | $1961.28 | $163.44 | $0.00 | $0.00 | $0.00 | $3057.82 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.063 | 1.062 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57871.09 | 18.9 | 57871.09 | 18.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2140032 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $706.94 | No |  | $2002.08 | $166.84 | $2715.96 | $226.33 | $0.00 | $0.00 | $0.00 | $1100.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.113 | 1.113 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 83691.20 | 76.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2140029 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1156.19 | No |  | $7046.40 | $587.20 | $558.00 | $46.50 | $7068.00 | $589.00 | $0.00 | $2378.89 |  | Yes | XXXXXX | XX | $589.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.104 | 2.104 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 139671.03 | 58.7 | 49112.58 | 20.7 | No | 50 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | Yes | 66.70 |
| 2140033 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.060% |  | 6.750% | 6.750% | $3217.05 | No |  | $1444.56 | $120.38 | $1944.00 | $162.00 | $0.00 | $0.00 | $0.00 | $3499.43 | $61508.27 | N/A |  |  | $0.00 |  |  | 10.61% | 10.61% | 10.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 95360.01 | 27.3 | 95360.01 | 27.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2140031 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.192% |  | 7.625% | 7.625% | $920.13 | No |  | $7090.80 | $590.90 | $1739.04 | $144.92 | $0.00 | $0.00 | $0.00 | $1655.95 | $3795.64 | N/A |  |  | $0.00 |  |  | 46.18% | 46.15% | 46.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 656 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | .00 | 0 | No | 35.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | No |  |
| 2140034 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.782% |  | 6.750% | 6.750% | $5715.77 | No |  | $2346.72 | $195.56 | $1976.04 | $164.67 | $1500.00 | $125.00 | $0.00 | $6201.00 | $31257.36 | Yes | XXXXXX | XX | $125.00 | XX/XX/XXXX | Monthly | 31.24% | 31.24% | 31.24% | 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 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 46585.78 | 7.5 | 46585.78 | 7.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2140036 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3158.84 | No |  | $9062.64 | $755.22 | $1897.80 | $158.15 | $8616.00 | $718.00 | $0.00 | $4790.21 |  | N/A | XXXXXX | XX | $718.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.348 | 1.048 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Foreign National | Foreign National | N/A | Passport |  | XX | Brasil | XXXX | Brasil | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 150142.24 | 31.3 | 150142.24 | 31.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2140035 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1048.10 | No |  | $1460.28 | $121.69 | $351.96 | $29.33 | $5904.00 | $492.00 | $0.00 | $1691.12 |  | Yes | XXXXXX | XX | $492.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169070.93 | 100 | 169070.93 | 100 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | No |  |
| 2140030 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $640.31 | No |  | $2529.96 | $210.83 | $1555.56 | $129.63 | $0.00 | $0.00 | $0.00 | $980.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 675461.54 | 688.7 | 675461.54 | 688.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2142309 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | 6.592% |  | 6.250% | 6.250% | $4617.88 | No |  | $24984.60 | $2082.05 | $5511.96 | $459.33 | $0.00 | $0.00 | $0.00 | $7159.26 | $23445.75 | N/A |  |  | $0.00 |  |  | 34.47% | 39.66% | 39.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 1056616.34 | 147.6 | 1056616.34 | 147.6 | No | 43.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2142306 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.592% |  | 7.125% | 7.125% | $1994.88 | No |  | $4112.52 | $342.71 | $1543.20 | $128.60 | $0.00 | $0.00 | $0.00 | $2466.19 | $3998.02 | N/A |  |  | $0.00 |  |  | 44.82% | 43.51% | 43.51% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 71.01% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Other - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22228.32 | 9 | 22228.32 | 9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2142311 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 6.599% |  | 6.250% | 6.250% | $3521.18 | No |  | $9804.84 | $817.07 | $2332.92 | $194.41 | $2637.00 | $219.75 | $0.00 | $4752.41 | $23575.59 | Yes | XXXXXX | XX | $219.75 | XX/XX/XXXX | Annually | 24.92% | 23.74% | 23.74% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% | 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 - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51961.29 | 10.9 | 51961.29 | 10.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2142308 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.178% |  | 6.750% | 6.750% | $1546.26 | No |  | $2175.60 | $181.30 | $4194.00 | $349.50 | $0.00 | $0.00 | $0.00 | $2077.06 | $8759.47 | N/A |  |  | $0.00 |  |  | 44.48% | 44.48% | 44.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 131127.33 | 63.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2142310 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.259% |  | 7.000% | 7.000% | $2149.59 | No |  | $10054.44 | $837.87 | $1841.64 | $153.47 | $1590.00 | $132.50 | $0.00 | $3273.43 | $7489.58 | Yes | XXXXXX | XX | $132.50 | XX/XX/XXXX | Annually | 36.86% | 30.89% | 30.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26235.46 | 8 | 26235.46 | 8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2142307 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.224% |  | 7.000% | 7.000% | $3981.17 | No |  | $2862.96 | $238.58 | $2229.00 | $185.75 | $0.00 | $0.00 | $0.00 | $4405.50 | $11718.91 | N/A |  |  | $0.00 |  |  | 33.61% | 33.61% | 33.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XX/XX/XXXX | XX/XX/XXXX | 3 |  | 18 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15095.65 | 3.4 | 39128.51 | 8.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Rural | No |  |
| 2142312 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.061% |  | 6.750% | 6.750% | $2879.78 | No |  | $2627.16 | $218.93 | $1435.08 | $119.59 | $492.00 | $41.00 | $0.00 | $3259.30 | $17882.70 | Yes | XXXXXX | XX | $41.00 | XX/XX/XXXX | Monthly | 17.89% | 17.89% | 17.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67059.10 | 20.6 | 67059.10 | 20.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144650 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1684.45 | No |  | $6773.28 | $564.44 | $3378.60 | $281.55 | $0.00 | $0.00 | $0.00 | $2530.44 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.344 | 1.344 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Passport |  | XX | United States | XXXX | USA | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 222855.35 | 88.1 | 222855.35 | 88.1 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144653 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $3908.73 | No |  | $12801.96 | $1066.83 | $2507.04 | $208.92 | $0.00 | $0.00 | $0.00 | $5184.48 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.868 | 0.868 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 565961.51 | 109.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144661 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.835% |  | 7.500% | 7.500% | $2517.17 | No |  | $6632.76 | $552.73 | $3066.60 | $255.55 | $0.00 | $0.00 | $0.00 | $3325.45 | $49030.43 | N/A |  |  | $0.00 |  |  | 17.69% | 17.69% | 17.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42146.89 | 12.7 | 42146.89 | 12.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144654 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2153.35 | No |  | $3345.12 | $278.76 | $1914.96 | $159.58 | $0.00 | $0.00 | $0.00 | $2591.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.278 | 1.277 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permannet resident card | XX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 80240.36 | 31 | 80240.36 | 31 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144660 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.844% |  | 6.375% | 6.375% | $1676.65 | No |  | $1400.04 | $116.67 | $419.04 | $34.92 | $3036.00 | $253.00 | $0.00 | $2081.24 | $14961.06 | Yes | XXXXXX | XX | $253.00 | XX/XX/XXXX | Monthly | 28.75% | 28.75% | 28.75% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 304 | 25 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 6905.76 | 3.3 | 6905.76 | 3.3 | No | 42.17 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | No |  |
| 2144651 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.086% |  | 7.250% | 7.250% | $716.29 | Yes | 5.000% | $3789.60 | $315.80 | $1311.72 | $109.31 | $8772.00 | $731.00 | $0.00 | $1872.40 | $5836.81 | Yes | XXXXXX | XX | $731.00 | XX/XX/XXXX | Monthly | 24.94% | 24.94% | 24.94% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 27 | No |  | Yes | 360 | 27 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified | Borrower | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Foreign National | Foreign National | N/A | Passport |  | XX | Canada | XXXX | Canada | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 39110.03 | 20.9 | 39110.03 | 20.9 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144657 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1408.68 | No |  | $3164.76 | $263.73 | $929.76 | $77.48 | $0.00 | $0.00 | $0.00 | $1749.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16719.59 | 9.6 | 16719.59 | 9.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No | 118.18 |
| 2144658 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $745.31 | No |  | $1838.04 | $153.17 | $984.00 | $82.00 | $1320.00 | $110.00 | $0.00 | $1090.48 |  | N/A | XXXXXX | XX | $110.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.009 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 96709.28 | 88.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144655 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 6.916% |  | 6.500% | 6.500% | $4593.55 | No |  | $13825.68 | $1152.14 | $2967.48 | $247.29 | $3240.00 | $270.00 | $0.00 | $6262.98 | $26920.82 | N/A | XXXXXX | XX | $270.00 | XX/XX/XXXX | Monthly | 37.43% | 37.70% | 37.70% | No | No | 1 - Not Stated Not Verified |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Self-Employed | Self-Employed |  | 5.00 |  | 1YR Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 1 | 2 | 2 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SEPartnership, SEPartnership - 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower 2 - SEPartnership, SEPartnership - 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower 2 - 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 801 | 736 | 740 | 755 |  |  |  | 740 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 430817.42 | 68.8 | 430817.42 | 68.8 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144652 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $2315.25 | No |  | $5631.48 | $469.29 | $0.00 | $0.00 | $3504.00 | $292.00 | $0.00 | $3076.54 |  | Yes | XXXXXX | XX | $292.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22600.86 | 7.4 | 22600.86 | 7.4 | No | 66.29 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No | 71.33 |
| 2144659 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.004% |  | 6.750% | 6.750% | $3372.71 | No |  | $8124.96 | $677.08 | $1844.76 | $153.73 | $1080.00 | $90.00 | $0.00 | $4293.52 | $24211.05 | N/A | XXXXXX | XX | $90.00 | XX/XX/XXXX | Annually | 21.16% | 21.16% | 21.16% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82908.82 | 19.3 | 82908.82 | 19.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144662 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1932.66 | No |  | $1590.36 | $132.53 | $8562.12 | $713.51 | $0.00 | $0.00 | $0.00 | $2778.70 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.828 | 0.828 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 298209.15 | 107.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144663 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.765% |  | 7.500% | 7.500% | $20556.91 | No |  | $52500.00 | $4375.00 | $2677.80 | $223.15 | $0.00 | $0.00 | $0.00 | $25155.06 | $880082.94 | N/A |  |  | $0.00 |  |  | 2.78% | 2.78% | 2.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 98.30% |  |  | N/A | 0 | N/A |  |  |  | Yes | 25 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Foreign National | Foreign National | N/A | Passport |  | XX | Mexico | XXXX | Mexico | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1442312.12 | 57.3 | 1442312.12 | 57.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2144656 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.971% |  | 7.625% | 7.625% | $3567.28 | No |  | $4551.24 | $379.27 | $840.00 | $70.00 | $0.00 | $0.00 | $0.00 | $4016.55 | $14838.92 | N/A |  |  | $0.00 |  |  | 33.21% | 33.21% | 33.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52770.09 | 13.1 | 52770.09 | 13.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2151724 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $622.86 | No |  | $611.40 | $50.95 | $765.00 | $63.75 | $0.00 | $0.00 | $0.00 | $737.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.695 | 1.695 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 66418.44 | 90.1 | 66418.44 | 90.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | No |  |
| 2153540 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1500.81 | No |  | $8383.56 | $698.63 | $1589.64 | $132.47 | $144.96 | $12.08 | $0.00 | $2343.99 |  | N/A | XXXXXX | XX | $12.08 | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.067 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 207736.98 | 88.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153549 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.120% | Manual Underwriting | Manual Underwriting | No | 7.320% |  | 6.875% | 6.875% | $1870.60 | No |  | $11647.32 | $970.61 | $1623.00 | $135.25 | $756.96 | $63.08 | $0.00 | $3039.54 | $9543.46 | N/A | XXXXXX | XX | $63.08 | XX/XX/XXXX | Annually | 24.99% | 24.99% | 24.99% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1453428.49 | 478.2 | 1453428.49 | 478.2 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153542 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $639.54 | No |  | $866.52 | $72.21 | $1074.84 | $89.57 | $1200.00 | $100.00 | $0.00 | $901.32 |  | N/A |  | XX | $100.00 |  | 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 | 1.109 | 1.109 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 84953.31 | 94.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153544 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 5.980% | Manual Underwriting | Manual Underwriting | No | 5.968% |  | 5.500% | 5.500% | $1780.02 | No |  | $4603.92 | $383.66 | $6421.32 | $535.11 | $0.00 | $0.00 | $0.00 | $2698.79 | $4554.89 | N/A |  |  | $0.00 |  |  | 47.36% | 47.36% | 47.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | ALT DOC | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | Yes | 36 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 43 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other, Asset Depletion - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44830.94 | 16.6 | 44830.94 | 16.6 | No | 62.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153553 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.832% |  | 7.375% | 7.375% | $2579.67 | No |  | $6505.32 | $542.11 | $2738.04 | $228.17 | $5016.00 | $418.00 | $0.00 | $3767.95 | $5843.44 | Yes | XXXXXX | XX | $418.00 | XX/XX/XXXX | Monthly | 42.08% | 43.45% | 43.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 94.93% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38491.31 | 10.2 | 38491.31 | 10.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153543 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.294% |  | 7.000% | 7.000% | $5239.26 | No |  | $13125.00 | $1093.75 | $1949.40 | $162.45 | $6300.00 | $525.00 | $0.00 | $7020.46 | $487757.74 | Yes | XXXXXX | XX | $525.00 | XX/XX/XXXX | Monthly | 1.83% | 1.83% | 1.83% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | CPA Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 70.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 25 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Foreign National | Foreign National | N/A | Passport |  | XX | Mexico | XXXX | Mexico | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 216428.20 | 30.8 | 216428.20 | 30.8 | No | 75 | Yes | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | Yes | 81.33 |
| 2153545 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.120% | Manual Underwriting | Manual Underwriting | No | 7.569% |  | 7.250% | 7.250% | $3438.17 | No |  | $13333.32 | $1111.11 | $1002.96 | $83.58 | $26388.00 | $2199.00 | $0.00 | $6831.86 | $108004.14 | Yes | XXXXXX | XX | $2199.00 | XX/XX/XXXX | Monthly | 11.01% | 11.34% | 11.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 166696.70 | 24.4 | 166696.70 | 24.4 | No | 90 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | No |  |
| 2153550 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.120% | Manual Underwriting | Manual Underwriting | No | 7.134% |  | 6.875% | 6.875% | $2716.40 | No |  | $771.00 | $64.25 | $1468.92 | $122.41 | $0.00 | $0.00 | $0.00 | $2903.06 | $39345.82 | N/A |  |  | $0.00 |  |  | 9.75% | 9.75% | 9.75% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 397642.39 | 137 | No | 72.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Urban | No |  |
| 2153555 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1546.88 | No |  | $2323.92 | $193.66 | $1460.52 | $121.71 | $0.00 | $0.00 | $0.00 | $1862.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.092 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 118119.94 | 63.4 | No | 72.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153539 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.823% |  | 7.500% | 7.500% | $4562.37 | No |  | $11678.04 | $973.17 | $6273.00 | $522.75 | $1380.00 | $115.00 | $0.00 | $6173.29 | $31185.71 | N/A | XXXXXX | XX | $115.00 | XX/XX/XXXX | Monthly | 24.66% | 24.66% | 24.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 55357.60 | 9 | 55357.60 | 9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153554 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.141% |  | 6.750% | 6.750% | $2585.64 | No |  | $1412.28 | $117.69 | $2154.96 | $179.58 | $638.04 | $53.17 | $0.00 | $2936.08 | $6163.28 | N/A | XXXXXX | XX | $53.17 | XX/XX/XXXX | Annually | 41.00% | 41.00% | 41.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 23 | 23 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Other, Wage, Overtime, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34141.58 | 11.6 | 34141.58 | 11.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2153547 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.120% | Manual Underwriting | Manual Underwriting | No | 7.509% |  | 7.375% | 7.375% | $5066.10 | No |  | $10281.36 | $856.78 | $3307.44 | $275.62 | $0.00 | $0.00 | $0.00 | $6198.50 | $11521.85 | N/A |  |  | $0.00 |  |  | 44.05% | 44.05% | 44.05% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | ALT DOC | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 0 | 3 | 1 NA | NA | No | Yes | 36 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 15 | 15 | Work Number | No | 0 |  |  | Borrower - SESCorp, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified(K1), 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Wage, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 1 YR Business Tax Returns Verified(K1), 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101369.77 | 16.4 | 100941.07 | 16.3 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | Yes | 123.93 |
| 2153548 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.120% | Manual Underwriting | Manual Underwriting | No | 6.913% |  | 6.625% | 6.625% | $7538.06 | No |  | $1358.64 | $113.22 | $2324.64 | $193.72 | $0.00 | $0.00 | $0.00 | $7845.00 | $15568.28 | N/A |  |  | $0.00 |  |  | 33.70% | 33.70% | 33.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49616.63 | 6.3 | 49616.63 | 6.3 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2155674 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.735% |  | 7.375% | 7.375% | $6927.47 | No |  | $14987.52 | $1248.96 | $1484.04 | $123.67 | $0.00 | $0.00 | $0.00 | $8300.10 | $13834.90 | N/A |  |  | $0.00 |  |  | 37.75% | 37.75% | 37.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52670.00 | 6.4 | 52670.00 | 6.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | Yes | 41.24 |
| 2155676 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $2068.64 | No |  | $2583.12 | $215.26 | $1965.60 | $163.80 | $0.00 | $0.00 | $0.00 | $2447.70 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.25 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 75256.42 | 30.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2155673 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.200% |  | 6.875% | 6.875% | $4286.46 | No |  | $4642.80 | $386.90 | $3531.96 | $294.33 | $0.00 | $0.00 | $0.00 | $4967.69 | $18710.24 | N/A |  |  | $0.00 |  |  | 30.52% | 30.52% | 30.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36189.74 | 7.3 | 36189.74 | 7.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | Yes | 49.10 |
| 2155678 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.742% |  | 8.250% | 8.250% | $1920.24 | No |  | $1574.76 | $131.23 | $1647.00 | $137.25 | $0.00 | $0.00 | $0.00 | $2188.72 | $5515.85 | N/A |  |  | $0.00 |  |  | 32.23% | 33.02% | 33.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14229.03 | 6.5 | 14229.03 | 6.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2155679 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.009% |  | 7.750% | 7.750% | $2224.46 | No |  | $5920.32 | $493.36 | $2623.68 | $218.64 | $0.00 | $0.00 | $0.00 | $2936.46 | $8910.53 | N/A |  |  | $0.00 |  |  | 38.07% | 37.31% | 37.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 69654.18 | 23.7 | 69654.18 | 23.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |
| 2155675 | XXXXXXX |  | XXXXXXX | XXXX | XXXX | XXXXXXXX | No | NonQM Underwriting and Sales Guide | XXXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.271% |  | 6.875% | 6.875% | $3258.37 | No |  | $3544.92 | $295.41 | $2012.64 | $167.72 | $0.00 | $0.00 | $0.00 | $3721.50 | $32142.06 | N/A |  |  | $0.00 |  |  | 15.81% | 15.81% | 15.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXXXXXX | XXXXXXX | XX | XXXXX | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 171529.75 | 46.1 | 171529.75 | 46.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXXXX | Suburban | No |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 5. Opus Business Purpose Report**

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| ALT ID | Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| 2126835 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3907.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40780 |  |  |  |  |  |  |  |  |  |  |  | No | 8.2 | 1 | 1 | N/A | 110.74 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2136840 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 70.87 | 1.411 | 1.411 | 1204.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20500 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 132.42 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 2132467 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 99.19 | 1.008 | 1.008 | 1983.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23804.52 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.14 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2136847 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX - 18 Prime Minus Investment 30 Year Fixed (Grade A) | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5156.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.81 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2137557 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1007 |  |  |  |  | 3250 | Appraisal - 1007 | No | 94.09 | 1.062 | 1.063 | 3057.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25900 |  |  |  | 3250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.93 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Owner |
| 2140032 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 1020 | 1224 | Appraisal - 1025 |  |  |  |  | 1224 | Appraisal - 1025 | No | 89.88 | 1.113 | 1.113 | 1100.11 | 695 | XX/XX/XXXX | 12 | 325 | XX/XX/XXXX | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  | 1224 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 76.08 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2140029 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5004 | Other | 12 | 70.00% | 5004 | Other | Yes | 47.54 | 2.104 | 2.104 | 2378.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30400 |  | 0 |  | 5004 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.65 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2140033 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX 8 Investment Prime DTI 30 Year Fixed | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3499.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5000 |  | 0 |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.25 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2140034 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX 15 Prime - 30-Year Fixed | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6201 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64400 |  | 0 |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.51 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| 2140036 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX 18 FN Investor DSCR 30 Yr Fixed | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6458 | Other | 12 | 63.00% | 6458 | Other | Yes | 74.17 | 1.048 | 1.348 | 4790.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60900 |  |  |  | 6458 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.34 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| 2140035 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX 18 Investor DSCR - 30-Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 99.48 | 1.005 | 1.005 | 1691.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14389.44 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 99.98 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2140030 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 990 | 1400 | Appraisal - 1007 |  |  |  |  | 990 | Actual In Place Rent | No | 99.07 | 1.009 | 1.009 | 980.77 | 990 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14528 |  |  |  | 990 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 688.71 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2144650 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3400 | 3400 | Appraisal - 1025 |  |  |  |  | 3400 | Appraisal - 1025 | No | 74.42 | 1.344 | 1.344 | 2530.44 | 1700 | XX/XX/XXXX | 1 | 1700 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 3400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 88.07 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| 2144653 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 4500 | 4500 | Appraisal - 1007 |  |  |  |  | 4500 | Actual In Place Rent | No | 115.21 | 0.868 | 0.868 | 5184.48 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 109.16 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2144654 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 2540 | 3312 | Appraisal - 1025 |  |  |  |  | 3312 | Appraisal - 1025 | No | 78.25 | 1.277 | 1.278 | 2591.69 | 615 | XX/XX/XXXX | 1 | 565 | XX/XX/XXXX | 1 | 660 | XX/XX/XXXX | 1 | 700 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 3312 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 30.96 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2144660 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX - 18 Prime Minus Investment 15 Year Fixed (Grade A) | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2081.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  |  |  |  |  |  |  |  |  |  |  | No | 19.6 | 1 | 1 | N/A | 3.32 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2144657 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 99.99 | 1 | 1 | 1749.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23800 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.55 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2144658 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | Yes | 1050 | 1100 | Appraisal - 1007 |  |  |  |  | 1100 | Appraisal - 1007 | No | 99.13 | 1 | 1.009 | 1090.48 | 1050 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21544 |  |  |  | 1100 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 88.68 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXXX | Tenant |
| 2144652 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3087 | Other | 12 | 29.00% | 3087 | Other | Yes | 99.66 | 1 | 1.003 | 3076.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18522 |  |  |  | 3087 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.35 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Owner |
| 2144662 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | Yes | 2200 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 120.81 | 0.828 | 0.828 | 2778.7 | 2200 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 107.32 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2151724 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 |  |  |  |  | 1250 | Appraisal - 1007 | No | 59 | 1.695 | 1.695 | 737.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 90.05 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2153540 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 2500 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 93.76 | 1.066 | 1.067 | 2343.99 | 2500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37000 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 88.63 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2153542 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 1000 | 1175 | Appraisal - 1007 |  |  |  |  | 1000 | Actual In Place Rent | No | 90.13 | 1.109 | 1.109 | 901.32 | 1000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1000 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 94.25 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2153555 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | Yes | 2034 | 2400 | Appraisal - 1007 |  |  |  |  | 2034 | Actual In Place Rent | No | 91.56 | 1.092 | 1.092 | 1862.25 | 2034 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 2034 |  |  |  |  |  |  | No | No | 12.7 | 1 | 1 | N/A | 63.43 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2155676 | XXXXXXXX |  | XXXXXXXX | XXXXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3060 | 3300 | Appraisal - 1025 |  |  |  |  | 3060 | Actual In Place Rent | No | 79.99 | 1.25 | 1.25 | 2447.7 | 1620 | XX/XX/XXXX | 12 | 1440 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 3060 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 30.75 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 6. Opus Valuation Report**

---

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| ALT ID | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2126835 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2136840 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2132467 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2136847 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2137557 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2140032 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2140029 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 50.0 | 50.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| 2153553 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153543 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153545 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153550 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 72.54 | 72.54 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153555 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 72.97 | 72.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153539 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153554 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153547 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2153548 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2155674 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2155676 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2155673 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2155678 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2155679 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |
| 2155675 | XXXXXXX |  | XXXXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

**Schedule 7. Opus Data Compare Report**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2126835 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.51 | 18.54 | Audit liabilities were based on documents in the loan file. |
| 2136847 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.23 | 42.13 | DTI difference is less than 1% and within lender tolerance.  |
| 2140032 | XXXXXXX |  | XXXXXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2140031 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.15 | 46.18 | Audit liabilities were based on documents in the loan file.  |
| 2142309 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.66 | 34.47 | Borrower is employment with XXXXXXXX & XXXX, (1b) as final 1003 and qualified with income of $XX,XXX.XX and supporting documents are missing for 1C employment as per final 1003. <br> However, Loan is qualified with DTI of 39.66% and within guidelines limits. |
| 2142306 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.51 | 44.82 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| 2142311 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 776 | 781 | Audit value based on lender qualifying requirements. |
| 2142311 | XXXXXXX |  | XXXXXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From appraisal. |
| 2142311 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.74 | 24.92 | Audit reflects difference in subject HOA Dues per documents in the loan file. <br> Audit DTI difference is due to liabilities based on documents in loan file.  |
| 2142310 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.89 | 36.86 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| 2142312 | XXXXXXX |  | XXXXXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2144650 | XXXXXXX |  | XXXXXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2144654 | XXXXXXX |  | XXXXXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2144655 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.7 | 37.43 | Audit reflects difference in qualifying P & I than the approval.  |
| 2153553 | XXXXXXX |  | XXXXXXX | XXXX | Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Purchase Contract / Final CD. |
| 2153553 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.45 | 42.08 | Audit liabilities were based on the most recent credit report in the loan file. |
| 2153545 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.34 | 11.01 | Audit liabilities were based on documents in the loan file.  |
| 2155676 | XXXXXXX |  | XXXXXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2155678 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.02 | 32.24 | Audit liabilities were based on the most recent credit report in the loan file  |
| 2155679 | XXXXXXX |  | XXXXXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.31 | 38.07 | Audit DTI difference is due to liabilities based on documents in loan file.  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Selene Diligence LLC ("Selene") Narrative**

![](ex9909001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between November 20 2025 and April 24 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 totaling 26 Non-QM loans and 103 ATR-QM exempt loans for a total of 129 loans the "Final Securitization Population".

*<u>Credit Reviews (129):</u>*

During the Review, Selene performed a credit review on 129 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (129)</u>*

During the Review, Selene performed a compliance review, when applicable on 129 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (129):</u>*

During the Review, Selene performed a property valuation review on 129 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (129):</u>*

During the Review, Selene performed a Data Integrity Review on 129 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 129 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;129 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;129 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;129 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;129 | &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, DBRS, Inc. ("DBRS"), Moody's Investors Service, Inc. ("Moody's"), (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>**

Various originator 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.

Page **2** of **15**

**<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, B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 129 mortgage loans, (ii) a Compliance Review on 129 mortgage loans (iii) a Valuation Review on 129 mortgage loans, and (iv) a Data Integrity Review on 129 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 129 mortgage loans; 117 mortgage loans had a rating grade of A, 12 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (129 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | | | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO Grade** | **Moody's** | **DBRS** | **%** | **NRSRO Grade** | **Moody's** | **DBRS** | **%** |
| A | 24 | 24 | 18.60% | A | 117 | 117 | 90.70% |
| B | 1 | 1 | 0.78% | B | 12 | 12 | 9.30% |
| C | 29 | 29 | 22.48% | C | 0 | 0 | 0.00% |
| D | 75 | 75 | 58.14% | D | 0 | 0 | 0.00% |

---

Page **4** of **15**

 ***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO Grade** | **Moody's** | **DBRS** | **%** | **NRSRO Grade** | **Moody's** | **DBRS** | **%** |
| A | 125 | 125 | 96.90% | A | 121 | 121 | 93.80% |
| B | 4 | 4 | 3.10% | B | 8 | 8 | 6.20% |
| C | 0 | 0 | 0.00% | C | 0 | 0 | 0.00% |
| D | 0 | 0 | 0.00% | D | 0 | 0 | 0.00% |
|  |  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |  |
| **NRSRO Grade** | **Moody's** | **DBRS** | **%** |  |  |  |  |
| A | 129 | 129 | 100.00% |  |  |  |  |
| B | 0 | 0 | 0.00% |  |  |  |  |
| C | 0 | 0 | 0.00% |  |  |  |  |
| D | 0 | 0 | 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.

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Selene 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, Selene'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;

Page **10** of **15**

&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;&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>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any
 claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&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):</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):</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):</u> 

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

Page **11** of **15**

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) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**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;

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;

Page **12** of **15**

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 Industry Group ("SFIG") 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 SFIG 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

**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:** 

&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 reviewed the applicable mortgage loans 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.

Page **13** of **15**

Selene reviewed the 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:** 

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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 and associated regulations;** 

Page **14** of **15**

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 1. Selene Rating Agency Grades Summary Report**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2127960 | XXXX |  | XXXX A D |
| 2137709 | XXXX |  | XXXX C A |
| 2122558 | XXXX |  | XXXX C A |
| 2122564 | XXXX |  | XXXX D A |
| 2122579 | XXXX |  | XXXX C D A |
| 2122608 | XXXX |  | XXXX A D |
| 2122594 | XXXX |  | XXXX C D A |
| 2122599 | XXXX |  | XXXX C A D |
| 2137677 | XXXX |  | XXXX D A |
| 2137679 | XXXX |  | XXXX C D A |
| 2140098 | XXXX |  | XXXX D A |
| 2133244 | XXXX |  | XXXX C D A |
| 2137678 | XXXX |  | XXXX C D A |
| 2140100 | XXXX |  | XXXX C A |
| 2137682 | XXXX |  | XXXX C D A |
| 2137683 | XXXX |  | XXXX A C |
| 2137704 | XXXX |  | XXXX C A |
| 2140114 | XXXX |  | XXXX D A B |
| 2143979 | XXXX |  | XXXX C A |
| 2155503 | XXXX |  | XXXX C A |
| 2137706 | XXXX |  | XXXX D A |
| 2137702 | XXXX |  | XXXX D A |
| 2137701 | XXXX |  | XXXX D A B |
| 2137689 | XXXX |  | XXXX C A |
| 2137708 | XXXX |  | XXXX A C |
| 2143977 | XXXX |  | XXXX C A |
| 2137692 | XXXX |  | XXXX C A |
| 2137705 | XXXX |  | XXXX D A |
| 2137700 | XXXX |  | XXXX A D |
| 2137697 | XXXX |  | XXXX C A |
| 2137694 | XXXX |  | XXXX A |
| 2143986 | XXXX |  | XXXX C D A B |
| 2137703 | XXXX |  | XXXX C A |
| 2140103 | XXXX |  | XXXX D A |
| 2137676 | XXXX |  | XXXX C A |
| 2137691 | XXXX |  | XXXX A D |
| 2140011 | XXXX |  | XXXX C A |
| 2137693 | XXXX |  | XXXX A D |
| 2137685 | XXXX |  | XXXX C A B |
| 2137695 | XXXX |  | XXXX A |
| 2151887 | XXXX |  | XXXX A |
| 2151854 | XXXX |  | XXXX D A |
| 2137686 | XXXX |  | XXXX C A |
| 2140109 | XXXX |  | XXXX D A |
| 2137688 | XXXX |  | XXXX A D |
| 2140104 | XXXX |  | XXXX C D A |
| 2140097 | XXXX |  | XXXX C D A |
| 2140012 | XXXX |  | XXXX D A |
| 2143984 | XXXX |  | XXXX C A D |
| 2143983 | XXXX |  | XXXX C A |
| 2140096 | XXXX |  | XXXX C A |
| 2140106 | XXXX |  | XXXX D C A |
| 2137699 | XXXX |  | XXXX A D |
| 2137698 | XXXX |  | XXXX A |
| 2151855 | XXXX |  | XXXX A D |
| 2138595 | XXXX |  | XXXX D A B |
| 2144467 | XXXX |  | XXXX D A |
| 2144468 | XXXX |  | XXXX D A |
| 2144469 | XXXX |  | XXXX C D A |
| 2140018 | XXXX |  | XXXX D A |
| 2143981 | XXXX |  | XXXX C D B A |
| 2140115 | XXXX |  | XXXX A D |
| 2140015 | XXXX |  | XXXX D A |
| 2143060 | XXXX |  | XXXX D A |
| 2143059 | XXXX |  | XXXX D A |
| 2140014 | XXXX |  | XXXX D A |
| 2140013 | XXXX |  | XXXX D A |
| 2141204 | XXXX |  | XXXX C A B |
| 2140101 | XXXX |  | XXXX C A D |
| 2140105 | XXXX |  | XXXX C A |
| 2140099 | XXXX |  | XXXX C A |
| 2140076 | XXXX |  | XXXX D C A B |
| 2140108 | XXXX |  | XXXX A |
| 2140085 | XXXX |  | XXXX A |
| 2143982 | XXXX |  | XXXX A D |
| 2143985 | XXXX |  | XXXX A D |
| 2143978 | XXXX |  | XXXX C A D |
| 2140107 | XXXX |  | XXXX A |
| 2140112 | XXXX |  | XXXX A |
| 2140113 | XXXX |  | XXXX D A |
| 2140116 | XXXX |  | XXXX A |
| 2151778 | XXXX |  | XXXX D A |
| 2143980 | XXXX |  | XXXX A |
| 2153392 | XXXX |  | XXXX D A |
| 2151718 | XXXX |  | XXXX C A |
| 2151702 | XXXX |  | XXXX D A |
| 2154545 | XXXX |  | XXXX D A |
| 2154544 | XXXX |  | XXXX D A |
| 2151776 | XXXX |  | XXXX A D |
| 2151777 | XXXX |  | XXXX D A |
| 2151888 | XXXX |  | XXXX A |
| 2151889 | XXXX |  | XXXX A B |
| 2151703 | XXXX |  | XXXX A D |
| 2151697 | XXXX |  | XXXX A |
| 2151715 | XXXX |  | XXXX A |
| 2151891 | XXXX |  | XXXX A |
| 2151890 | XXXX |  | XXXX C B A |
| 2154543 | XXXX |  | XXXX D A |
| 2155670 | XXXX |  | XXXX D A |
| 2151893 | XXXX |  | XXXX A |
| 2155497 | XXXX |  | XXXX D A |
| 2153090 | XXXX |  | XXXX D C A |
| 2153093 | XXXX |  | XXXX D A |
| 2153092 | XXXX |  | XXXX D A |
| 2153091 | XXXX |  | XXXX D A |
| 2153095 | XXXX |  | XXXX A |
| 2153094 | XXXX |  | XXXX D A |
| 2155500 | XXXX |  | XXXX D A |
| 2151894 | XXXX |  | XXXX A |
| 2155508 | XXXX |  | XXXX A |
| 2155672 | XXXX |  | XXXX D A |
| 2151895 | XXXX |  | XXXX C A |
| 2155513 | XXXX |  | XXXX A |
| 2155671 | XXXX |  | XXXX C A |
| 2153391 | XXXX |  | XXXX A |
| 2153393 | XXXX |  | XXXX D A |
| 2155509 | XXXX |  | XXXX C A |
| 2158229 | XXXX |  | XXXX A |
| 2155517 | XXXX |  | XXXX A |
| 2155516 | XXXX |  | XXXX A |
| 2155506 | XXXX |  | XXXX C A |
| 2158234 | XXXX |  | XXXX C D A |
| 2158232 | XXXX |  | XXXX D A |
| 2158231 | XXXX |  | XXXX D A |
| 2155657 | XXXX |  | XXXX C D A |
| 2158233 | XXXX |  | XXXX D A |
| 2158296 | XXXX |  | XXXX C B A |
| 2158297 | XXXX |  | XXXX A |
| 2158274 | XXXX |  | XXXX D A B |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 2. Selene 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 | 2127960 |  |  | Closed | 2025-11-24 04:20 | 2025-11-26 00:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137709 |  |  | Closed | 2025-11-28 11:21 | 2026-03-02 07:47 | Resolved | 1 - Information C A | Credit | Credit | Flood Insurance Coverage Inadequate | Resolved-Received e-mail stating no claims since XX/XX/XXXXX between closing date and start of new policy - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Flood policy is current now - please clear - Seller-XX/XX/XXXX <br>Counter-Policy date shows active X/X/XXXX need current policy - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Flood Insurance, LOE - Seller-XX/XX/XXXX <br>Open-Need flood insurance with the policy number - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Flood policy is current now - please clear - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Flood Insurance, LOE - Seller-XX/XX/XXXX<br>| Resolved-Received e-mail stating no claims since XX/XX/XXXXX between closing date and start of new policy - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137709 |  |  | Closed | 2025-11-28 11:21 | 2025-12-04 07:56 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated credit page, DFL page, and XXXX DTI is now in line. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX with REO items updated. Rents added to XXXX XXXX and evidence of payment in file. See Seller Cert. - Seller-XX/XX/XXXX <br>Open-Primary is not being included in the calculation. Based on docs in file. Borrower has primary and the front end DTI should be at XX.XX and the back end with the property that is showing as sold on final XXXX in amount of XXXX+X,XXX.XX(liabilities) +X,XXX.XX+XXXX=XX,XXX.XX= XX.XX for the back end DTI. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX with REO items updated. Rents added to XXXX XXXX and evidence of payment in file. See Seller Cert. - Seller-XX/XX/XXXX<br>| Resolved-Updated credit page, DFL page, and XXXX DTI is now in line. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXXX.XXX_XXXXX_<br> XXXXX XXXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137709 |  |  | Closed | 2025-11-25 07:52 | 2025-12-02 10:54 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-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 X high uncleared 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 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122558 |  |  | Closed | 2025-12-16 21:05 | 2025-12-19 02:52 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - 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 Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is Expired, Per the GL XX.XX.XXXX page # XX GAP report is required XX days prior to closing date. Provide the updated GAP 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 provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122564 |  |  | Closed | 2025-12-13 04:53 | 2025-12-23 00:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rental agreement - Seller-XX/XX/XXXX <br>Open-Per GL XX/XX/XXXX, page XX, for a refinance transaction, the required documents include FNMA Form XXXX or XXXX reflecting long-term market rents, and a lease agreement. Hence provide the lease agreement, as the appraisal indicates the property is tenant-occupied, but the lease agreement is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rental agreement - Seller-XX/XX/XXXX<br>| Resolved-Lease Agreement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2122564 |  |  | Closed | 2025-12-13 05:22 | 2025-12-19 03:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated HUD shows first lien being paid off. Verified & Resolved. - 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. Final HUD-X - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide updated HUD as the one in file does not show prior first lien being paid off. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX<br>| Resolved-Updated HUD shows first lien being paid off. Verified & Resolved. - 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 XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2122579 |  |  | Closed | 2025-12-17 10:44 | 2025-12-31 06:52 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-DTI within X% tolerance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-DTI for the back end is not lining up because we do not have the additional investment property that closed. Please provide on the XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX <br>Open-DTI is not lining up. Using income in the amount of XXX,XXX.XX for the front end DTI is at XX,XXX.XX/XXX,XXX.XX= XX.XX. For the back end DTI is at XX,XXX.XX+XXX liabilities + rent loss in amount of X,XXX.XX=XX,XXX.XX/XXX,XXX.XX=XX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-DTI within X% tolerance. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122579 |  |  | Closed | 2025-12-16 04:37 | 2025-12-31 06:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received final XXXX updated XXXX page - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final URLA e-signed XX/XX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final URLA e-signed XX/XX - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received final XXXX updated XXXX page - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122579 |  |  | Closed | 2025-12-16 20:23 | 2025-12-23 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated credit page. Primary paid in full - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History – XX months payments on credit supp and it is paid in full - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XX/XX/XXXX on page#XX, the borrower is required to have a XX months housing history. Primary Mortgage or Rent Months updated as XXmonths. due to Unable to verify the Borrower XX months Housing history to meet the GL requirement Provide the VOM report to verify the XX months housing history. XXXX Only have XX months from credit report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History – XX months payments on credit supp and it is paid in full - Seller-XX/XX/XXXX<br>| Resolved-Updated credit page. Primary paid in full - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXXXX - XX XXXXXX XXXXXXXX XXX XXXX XX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122579 |  |  | Closed | 2025-12-17 10:40 | 2025-12-23 11:34 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Received updated income worksheet. Updated employment page. In line with worksheet - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX <br>Open-Using October XX- November XXXX get income of XXX,XXX.XX income worksheet in file is only using from September Need to use October as well. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-Received updated income worksheet. Updated employment page. In line with worksheet - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122579 |  |  | Closed | 2025-12-16 06:39 | 2025-12-22 23:42 | 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 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-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>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122608 |  |  | Closed | 2025-12-17 05:37 | 2025-12-19 03:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX with corrected REO properties 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. Updated XXXX/XXXX - Seller-XX/XX/XXXX <br> Open-The Final XXXX is Missing One in file REO section showing X) Property address "XXX XXXX" as second home, it need to be updated as primary residence & X) Property address "XXXX XXXX" as primary residence, it need to be updated as investment as per lox # XXX. Provide the updated final XXXX with same. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX with corrected REO properties provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122594 |  |  | Closed | 2025-12-22 06:16 | 2025-12-26 07:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document provided. - 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. ALTA FINAL-HUD - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. one in final HUD-X is missing. Provide final HUD-X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. ALTA FINAL-HUD - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document provided. - 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-XXX XXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122594 |  |  | Closed | 2025-12-22 05:55 | 2025-12-24 05:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-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 X high uncleared 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-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122594 |  |  | Closed | 2025-12-22 04:06 | 2025-12-23 03:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX uploaded, Verified & entered in system - Resolved<br> - 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. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing One in file initial XXXX is missing, Provide final XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122594 |  |  | Closed | 2025-12-22 04:56 | 2025-12-23 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Pre-payment Rider - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing One in file prepayment fee rider is missing. Provide prepayment fee rider is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Pre-payment Rider - Seller-XX/XX/XXXX<br>| Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2122599 |  |  | Closed | 2025-12-30 03:52 | 2026-01-13 07:00 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX <br>Open-Appraisal is Missing Please provide Primary Appraisal document, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2122599 |  |  | Closed | 2026-01-09 00:40 | 2026-01-13 07:00 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal Re-Cert - Seller-XX/XX/XXXX <br>Open-Provide either updated appraisal with in XXX days or provide XXXXD completion report doc. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal Re-Cert - Seller-XX/XX/XXXX<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2122599 |  |  | Closed | 2025-12-30 05:49 | 2026-01-12 04:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History actual XX months Reviewed from the credit Report, Housing History Meets Guideline Requirements, Verified - Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Please provide XX months housing history for Primary Mortgage - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX<br>| Resolved-Housing History actual XX months Reviewed from the credit Report, Housing History Meets Guideline Requirements, Verified - Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XX XX XXXX_XXXXXX XXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-27 09:24 | 2026-02-24 07:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PUD Rider<br> - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete PEr appraisal, this is a PUD, both check mark stating PUD and PUD rider missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PUD Rider<br> - Seller-XX/XX/XXXX<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 06:47 | 2026-02-05 06:40 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX <br>Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Provide the updated FINAL HUD-X Document with closing date of XX/XX/XXXX & Settlement Agent Signature, in file we have FINAL HUD-X Document with Closing date of XX/XX/XXXX. it is after the Note & Notary date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX<br>| Resolved-Final HUD provided and updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXXXXXXX-X.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 06:00 | 2026-02-03 04:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Per updated HUD-X, Disbursement on X/XX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-insurance is effective on the XXth is also acceptable as the loan funded on the XXth - 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 & Notary Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-insurance is effective on the XXth is also acceptable as the loan funded on the XXth - Seller-XX/XX/XXXX<br>| Resolved-Per updated HUD-X, Disbursement on X/XX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 06:18 | 2026-02-03 04:02 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report provided. Resolved - 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 XXXXXXXXX XXXXXXX 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-Updated Fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-27 09:04 | 2026-01-30 07:03 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. NOTE - Seller-XX/XX/XXXX <br>Open-The Note is Not Executed Note in file is not signed. please provide signed version. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. NOTE - Seller-XX/XX/XXXX<br>| Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-23 06:35 | 2026-01-30 04:27 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Requested Initial Escrow account disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Account Disclosure (IEAD) as tax and insurances are being escrowed but IEAD is not in file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX<br>| Resolved-Requested Initial Escrow account disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 05:20 | 2026-01-30 01:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty Agreement provided, updated in BPVX & condition resolved. - 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 Doc missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| Resolved-Requested Guaranty Agreement provided, updated in BPVX & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 05:47 | 2026-01-30 00:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - LCA 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 XXXXXXXXX XXXXXXX 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 FNMA or FHLMC 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. Freddie SSR - LCA Score of X - Seller-XX/XX/XXXX<br>| Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX_XXXXXXX XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 07:12 | 2026-01-30 00:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX <br>Open-PUD Rider is Missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137677 |  |  | Closed | 2026-01-21 07:10 | 2026-02-24 07:06 | Resolved | 1 - Information A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Provide the updated DOT Document with PUD Rider check mark on it, as per the Appraisal report property type is PUD. but there is not PUD RIDER in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137679 |  |  | Closed | 2026-01-28 23:40 | 2026-02-23 08:51 | 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 XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the Statement showing the sale of property from the XXXX Assets should be sufficient - XXXXXX-XX/XX/XXXX <br>Counter-The amount of XXX,XXX.XX is what we have reflected with docs received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - The Final SS shows the borrower had to come in with less funds than the investor was showing. This then shows they have sufficient funds for reserves - XXXXXX-XX/XX/XXXX <br>Counter-Need docs for reserves attached is final hud - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) As per guidelines for LTV<=XX% reserves required X months of PITIA. Final HUD showing cash from borrower $ XXXXXX.X+ PITIA $ XXXXX.XX (X \*$ XXXX.XXmonths reserves) = $XXXXXX.XX, available verified asset $XXX,XXX.XX. the loan is short funds $X,XXX.XX, Provide the additional assets to cover the shortage amount.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. the Statement showing the sale of property from the XXXX Assets should be sufficient - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - The Final SS shows the borrower had to come in with less funds than the investor was showing. This then shows they have sufficient funds for reserves - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.XXX_XXXXX_<br> XXXXX XX.XXX_XXXXX_<br> XXXX XX XXXXXXXX - XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137679 |  |  | Closed | 2026-01-28 23:26 | 2026-02-23 06:28 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Received affidavit Notary date is X/XX/XXXXX updated DOT - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Scriveners affidavit showing the notary date was an error. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Final Hud X showing disbursement date XX/XX/XXXX before the notary acknowledgement date of XX/XX/XXXX. Provide the updated final HUD X document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Scriveners affidavit showing the notary date was an error. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received affidavit Notary date is X/XX/XXXXX updated DOT - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137679 |  |  | Closed | 2026-01-29 00:08 | 2026-02-04 05:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-For BX, final XXXX demographic information section - sex is showing as male, please provide the updated XXXX with sex as female.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137679 |  |  | Closed | 2026-01-28 23:04 | 2026-02-04 04:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-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 X high & X Low uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140098 |  |  | Closed | 2026-02-04 03:22 | 2026-03-09 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received updated XXXX and XXXX using PITA for rent loss. updated DFL, XXXX, and XXXX pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX <br>Open-Property is Investment there is no XXXX document in file. XXXX states lease no lease in file. Also no XXXX and is reporting as a positive income. Will need the lease as well - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-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. Property is Investment there is no XXXX document in file. Not needed using full PITA for rent loss - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received updated XXXX and XXXX using PITA for rent loss. updated DFL, XXXX, and XXXX pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-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. Property is Investment there is no XXXX document in file. Not needed using full PITA for rent loss - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140098 |  |  | Closed | 2026-02-19 14:08 | 2026-03-09 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received updated XXXX not using rents full loss of rents being used Updated XXXX, employment pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX <br>Open-Reporting positive income for XXXX W XXXX no lease in file to support this information - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX<br>| Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received updated XXXX not using rents full loss of rents being used Updated XXXX, employment pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140098 |  |  | Closed | 2026-02-05 14:13 | 2026-03-09 13:41 | 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 updated XXXX with no income or ownership showing for co borrower. Updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX/XXXX & Explanation Attached - XXXXXX-XX/XX/XXXX <br>Counter-XXXX attached shows co borrower with ownership and income calculator has it with the primary borrower being XXX% owner Will need updated income worksheet and CPA letter with percentage of ownership - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX <br>Open-Based on operating agreement in file borrower is XXX% owner however on XXXX co borrower states has ownership as well. Need either CPA letter or business narrative. IF co borrower is part owner need updated docs with correct income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX/XXXX & Explanation Attached - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - 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 updated XXXX with no income or ownership showing for co borrower. Updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX_XXXXX_<br> XXXXXX_XXXXXXX_XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140098 |  |  | Closed | 2026-02-04 02:23 | 2026-02-06 14:21 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - 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 The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX UCDP/XXX report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140098 |  |  | Closed | 2026-02-04 02:45 | 2026-02-06 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report cleared - 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 high X uncleared alert. The required cleared Fraud report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report cleared - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2133244 |  |  | Closed | 2026-02-05 06:46 | 2026-02-17 06:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received final Hud updated Hud page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX <br>Counter-Attached is not signed by settlement agent - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Disbursement Summary - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide the HUDX document with required parties signatures - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Disbursement Summary - XXXXXX-XX/XX/XXXX<br>| Resolved-Received final Hud updated Hud page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXX XXXXXXX.XXX_XXXXX_<br> XXXX-XXX XX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2133244 |  |  | Closed | 2026-02-05 06:55 | 2026-02-09 13:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received signed final XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final URLA - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide the final XXXX, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final URLA - Seller-XX/XX/XXXX<br>| Resolved-Received signed final XXXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2133244 |  |  | Closed | 2026-02-05 05:19 | 2026-02-09 13:47 | 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. Freddie SSR - LCA Score 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 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - LCA Score X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_XXXXXXX XXX.XXX |  | XXXXXXX XXX XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX (XXXX XXXXXXXXXX XXXXXXXX XX XXXXXXX) XXX XXXXXXXXX XXXXXXXXXXXX | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2133244 |  |  | Closed | 2026-02-05 06:55 | 2026-02-09 13:44 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Received IED updated disclosure page - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Open-Provide the initial escrow account disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX<br>| Resolved-Received IED updated disclosure page - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_XXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137678 |  |  | Closed | 2026-02-09 00:39 | 2026-02-23 09:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-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. A Valid COC required - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_XXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2137678 |  |  | Closed | 2026-02-08 23:35 | 2026-02-11 03:19 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerst in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - 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 GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-There are Uncleared alerst in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2137678 |  |  | Closed | 2026-02-08 22:55 | 2026-02-10 03:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation LCA with score of X 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. Freddie SSR - LCA score of X<br> - 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 FNMA or FHLMC 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. Freddie SSR - LCA score of X<br> - Seller-XX/XX/XXXX<br>| Resolved-Requested secondary valuation LCA with score of X 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>| XXXXXX _XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2140100 |  |  | Closed | 2026-02-09 10:52 | 2026-02-12 04:53 | 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. Fraud Report - Seller-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) has uncleared alerts. The required cleared Fraud report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - 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>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137682 |  |  | Closed | 2026-02-10 00:14 | 2026-02-25 07:53 | 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-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Need updated XXXX to reflect gift funds in the amount of XXXk and XXk. Still reflects XXXk not deposited and XX,XXX not deposited on the XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Asset X- Unable to verify proof of gift amount of $XXXXX (Gift letter Page# XXX). Provide the proof of gift amount $XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXXXXXX - $XXXX XXX $XXX.XXX_XXXXX_<br> XXXXX XX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137682 |  |  | Closed | 2026-02-10 00:14 | 2026-02-25 07:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Need updated XXXX to reflect gift funds in the amount of XXXk and XXk. Still reflects XXXk not deposited and XX,XXX not deposited on the XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Asset X- Unable to verify proof of gift amount of $XXXXXX(Gift letter Page# XXX). Provide the proof of gift amount $ XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX<br>| Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX_XXXXX_<br> XXXX XXXXXXXXXXXXX - $XXXX XXX $XXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137682 |  |  | Closed | 2026-02-10 00:14 | 2026-02-25 07:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Need updated XXXX to reflect gift funds in the amount of XXXk and XXk. Still reflects XXXk not deposited and XX,XXX not deposited on the XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Asset X- Unable to verify proof of gift amount of $XXXXXX(Gift letter Page# XXX). Provide the proof of gift amount $ XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX<br>| Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX_XXXXX_<br> XXXX XXXXXXXXXXXXX - $XXXX XXX $XXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137682 |  |  | Closed | 2026-02-10 01:30 | 2026-02-13 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX <br>Open-Final XXXX showing current address as "XXX XXXXXXXXXX XX" , But in REO section primary residence address showing as "XXX XXXXXXXXXX XX". Provide the updated XXXX for the same. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137682 |  |  | Closed | 2026-02-10 00:58 | 2026-02-13 03:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - 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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137683 |  |  | Closed | 2026-02-11 00:36 | 2026-02-23 06:36 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California 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)) Missing Acknowledgment of appraisal in the file <br>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 m<br>ortgage 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 and the Final Closing disclosure on Pg #XXX-XXX, XXX-XXX 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 and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137683 |  |  | Closed | 2026-02-11 00:36 | 2026-02-11 00:43 | 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 and the Final Closing disclosure on Pg #XXX-XXX, XXX-XXX 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 and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - 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 and the Final Closing disclosure on Pg #XXX-XXX, XXX-XXX 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 and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137704 |  |  | Closed | 2026-02-12 02:39 | 2026-02-17 01:42 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is free and clear per provided primary insurance doc. Hence resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Insurance for Primary housing shows no mortgagee, evidencing home is owned free and clear - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify Borrower's Primary Mortgage history, Provide VOM or Free and clear letter document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Insurance for Primary housing shows no mortgagee, evidencing home is owned free and clear - Seller-XX/XX/XXXX<br>| Resolved-Property is free and clear per provided primary insurance doc. Hence resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX - XXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140114 |  |  | Closed | 2026-02-13 02:08 | 2026-03-18 10:44 | Acknowledged | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | Originator Post-Close | No |
| XXXX | 2140114 |  |  | Closed | 2026-02-13 03:14 | 2026-02-18 03:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition 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 XXX.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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared fraud report provided, updated & condition 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>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143979 |  |  | Closed | 2026-02-17 10:49 | 2026-03-20 07:58 | Resolved | 1 - Information C A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-Updated system with PCCD provided with updated escrow amount of $X,XXX.XX (HOI $XXX.XX & Tax $XXX.XX) per documentation in the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD with updated First Payment Letter - Seller-XX/XX/XXXX <br>Counter-Provide a PCCD as the variance for escrows is $XXX.XX monthly. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX <br>Open-The final CD escrow payment is reflecting $XXX.XX monthly for taxes & insurance. However, the property tax & insurance documentation in the file reflects $XXX.XX+XXX.XX=$X,XXX.XX. Provide a PCCD revising the property tax cert in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD with updated First Payment Letter - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX<br>| Resolved-Updated system with PCCD provided with updated escrow amount of $X,XXX.XX (HOI $XXX.XX & Tax $XXX.XX) per documentation in the file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX_XXXXX_<br> XXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2143979 |  |  | Closed | 2026-02-17 10:12 | 2026-02-20 08:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide an updated fraud report with cleared alerts. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2143979 |  |  | Closed | 2026-02-13 00:02 | 2026-03-20 07:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | 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. 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 reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX 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#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'sXXX for the copy of the disclosure. 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#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX 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#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'sXXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155503 |  |  | Closed | 2026-02-16 03:19 | 2026-02-20 08:49 | 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. Fraud Report - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX has an uncleared alert. Provide an updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - 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>| XXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137706 |  |  | Closed | 2026-02-14 02:05 | 2026-02-20 11:39 | 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>Ready for Review-Document Uploaded. LOE - 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 to use XXX% of the funds from Xxxxx XXXX #XXXX account as borrower held this account jointly with another person. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137702 |  |  | Closed | 2026-02-18 10:54 | 2026-02-25 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX: This is a purchase of an Investment Property. We are using market rents off the XXXX. - Seller-XX/XX/XXXX <br>Open-Only have extension for lease do not have agreement with lease amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX: This is a purchase of an Investment Property. We are using market rents off the XXXX. - Seller-XX/XX/XXXX<br>| Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137702 |  |  | Closed | 2026-02-14 04:59 | 2026-02-25 08:06 | 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>Ready for Review-Document Uploaded. Updated XXXX for assets - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide proof of document for Xxxxxxx Xxxxxxx mutual funds for the amount of $XX,XXX as referenced in the BX final XXXX page #XXX, since this document is not currently included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX for assets - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137702 |  |  | Closed | 2026-02-14 05:07 | 2026-02-25 06:29 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received updated DSCR worksheet. Updated DFL pager and employment page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator. - Seller-XX/XX/XXXX <br>Counter-Need updated worksheet with correct PITIA of X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX <br>Open-Audited DSCR is X.XXX and lender DSCR is X.XXX. The difference is X.XXX.<br>Audited DSCR is based on Rent $X,XXX / PITIA $X,XXX.XX (P&I X,XXX.XX + Tax $XXX.XX + Insurance $XXX.XX) = X.XXX.<br>Provide lender DSCR worksheet to validate the variance in lender calculations as the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX<br>| Resolved-Received updated DSCR worksheet. Updated DFL pager and employment page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137702 |  |  | Closed | 2026-02-14 05:02 | 2026-02-19 14:17 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-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 X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137701 |  |  | Closed | 2026-02-13 23:07 | 2026-02-24 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Counter-Report shows third party alerts. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137701 |  |  | Closed | 2026-02-13 23:20 | 2026-02-20 08:10 | 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 - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HUD-X - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide updated final HUDX as the page#X of X is not properly imaged. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HUD-X - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137701 |  |  | Closed | 2026-02-18 20:41 | 2026-02-20 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Received complete and executed loan agreement. - 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-Provide the Loan Agreement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received complete and executed loan agreement. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137701 |  |  | Closed | 2026-02-13 22:32 | 2026-02-20 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Guaranty Agreement Document 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-Guaranty Agreement Doc is Missing or Partial Provide Guaranty agreement as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137701 |  |  | Closed | 2026-02-13 23:26 | 2026-02-19 23:18 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEAD - Seller-XX/XX/XXXX <br>Open-Provide updated Initial Escrow Account Disclosure (IEAD) document as the one in file is not completely imaged. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEAD - Seller-XX/XX/XXXX<br>| Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137701 |  |  | Closed | 2026-02-13 22:32 | 2026-02-18 20:38 | Acknowledged | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | Originator Post-Close | No |
| XXXX | 2137689 |  |  | Closed | 2026-02-13 21:22 | 2026-02-20 02:11 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-DSCR Worksheet uploaded, Audited DSCR matches with the DSCR worksheet, Verified - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX <br>Open-Provide lender DSCR worksheet to validate lender calculations as the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX<br>| Resolved-DSCR Worksheet uploaded, Audited DSCR matches with the DSCR worksheet, Verified - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137708 |  |  | Closed | 2026-02-17 00:45 | 2026-02-25 03:01 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal is expired, provided updated Appraisal, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX <br>Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) One in file appraisal is expired. Provide the updated appraisal or XXXXD report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX<br>| Resolved-Appraisal is expired, provided updated Appraisal, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143977 |  |  | Closed | 2026-02-18 09:47 | 2026-03-11 07:44 | Resolved | 1 - Information C A | Credit | Credit | DSCR is less than 1.00 | Resolved-Updated to Low-Ratio DSCR - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR - Seller-XX/XX/XXXX <br>Open-Calculated DSCR is less than X . The calculation validating the correct DSCR is as follows: $XXXX & PITIA of $ XXXX.XX = X.XXXDSCR. The difference in originated and calculated DSCR is X.XXX, this is due to the tax amount. As per IEAD, first payment letter & HUD statement tax amount its reflecting as $XXX.XX. however as per tax certificate its reflecting as $XXXX.XX/XX=XXX.XX. considered tax amount from IEAD,HUD and First payment letter. i.e. $XXX.XX. Due to which there is difference in DSCR ratio. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR - Seller-XX/XX/XXXX<br>| Resolved-Updated to Low-Ratio DSCR - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137692 |  |  | Closed | 2026-02-17 23:48 | 2026-02-23 09:16 | 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-XX/XX/XXXX <br>Resolved-Updated fraud report provided. Resolved - 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 GL 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 clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137692 |  |  | Closed | 2026-02-18 00:49 | 2026-02-23 01:13 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Updated DSCR worksheet provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX <br>Open-Originator considered Property tax amount as $XXX.XX but the actual tax amount as per first payment letter and tax certificate is $XXX.XX, due to this there is a difference of DSCR ratio (More than X.XX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX<br>| Resolved-Updated DSCR worksheet provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137705 |  |  | Closed | 2026-02-18 00:45 | 2026-02-23 01:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Final XXXX, XXXX & Lender Income Worksheet with corrected qualifying income 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. Calculation Worksheet, XXXX & XXXX - 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, borrower is receiving other income of $XX,XXX.XX ($X,XXX + $XX,XXX.XXX). Provide lender income calculation worksheet validating this amount as it the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Calculation Worksheet, XXXX & XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX, XXXX & Lender Income Worksheet with corrected qualifying income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137705 |  |  | Closed | 2026-02-18 01:41 | 2026-02-23 08:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Findings - 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. 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 XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#' XXXs An interior and exterior appraisal was completed for this property – see pg XX-XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX, 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-Findings - 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. 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 XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#' XXXs An interior and exterior appraisal was completed for this property – see pg XX-XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX, The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137700 |  |  | Closed | 2026-02-17 21:10 | 2026-02-24 04:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated settlement statement shows payoff value. Resolved. - 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. Final SS - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide updated settlement statement as the one in file (X) is missing settlement agent signature (X) doesn't show prior first lien being paid off - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| Resolved-Updated settlement statement shows payoff value. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXX'X XXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137697 |  |  | Closed | 2026-02-18 02:08 | 2026-02-23 08:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-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 X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137697 |  |  | Closed | 2026-02-18 03:11 | 2026-02-23 00:30 | Resolved | 1 - Information C A | Credit | Title | Title Effective Date Greater Than 3 Months Prior From Note | Resolved-Updated title doc provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX <br>Open-Commitment in file dated XX/X/XXXX is expired. Provide an updated title commitment. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX<br>| Resolved-Updated title doc provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXX XXXXXXXXXX X (XX).XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2143986 |  |  | Closed | 2026-02-19 13:11 | 2026-03-16 12:45 | 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 - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Hud in file is not showing payoffs to liens on the property Shows borrower receiving XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143986 |  |  | Closed | 2026-02-19 13:02 | 2026-03-16 06:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception for LTV not meeting guidelines for being a rural property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Counter-Per the appraisal it is marked as rural - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the CFBP lookup supporting this is not a rural property. Can this be accepted to support as the property is not rural? - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% LTV for rural properties is at XX% and cash out calls for X% reduction. Max LTV is XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the CFBP lookup supporting this is not a rural property. Can this be accepted to support as the property is not rural? - Seller-XX/XX/XXXX<br>| Waived-Received exception for LTV not meeting guidelines for being a rural property. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX XXXX XXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXXXXXX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX<br> XXXX XXXXXXXX XXXXXXX XXX (XX) XXXXXX.<br> XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX. | XX | Investment | Refinance | Cash Out - Other |  | Originator Pre-Close | Yes |
| XXXX | 2143986 |  |  | Closed | 2026-02-18 03:59 | 2026-02-20 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Potential Fraud Reflected on Fraud Report Per the GL XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing High alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143986 |  |  | Closed | 2026-02-18 03:50 | 2026-02-20 11:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Provide the replacement cost. Policy amount is less than loan amount - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137703 |  |  | Closed | 2026-02-18 09:19 | 2026-02-24 03:52 | 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. - 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 GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - 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>| XXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140103 |  |  | Closed | 2026-02-18 05:45 | 2026-03-02 12:34 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX, XXXX pages DTI is in line. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited DTI XX.XX% Lender DTI XX.XX% difference is X.XX % this is due to lender considered the X) monthly income as $XX,XXX.XX whereas as per our calculation XX,XXX.XX X) This is due to the CPA letter stating that the business operates with expense factor of XX% No business narrative in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX, XXXX pages DTI is in line. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2140103 |  |  | Closed | 2026-02-20 07:46 | 2026-03-02 12:33 | Resolved | 1 - Information D 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>Resolved-Received pass port for borrower US citizen - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Passport attached - Seller-XX/XX/XXXX <br>Counter-Wrong docs are attached - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX <br>Open-XXXX Document is Missing XXXX states conditioned for proof of Us citizenship do not see this mentioned or if cleared on the loan approval in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Passport attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received pass port for borrower US citizen - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX_XXXXX_<br> XXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2140103 |  |  | Closed | 2026-02-18 04:43 | 2026-02-24 06:26 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-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 X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2137676 |  |  | Closed | 2026-02-18 00:02 | 2026-02-24 06:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Assets for sale of property - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XXX,XXX.XX as per the final XXXX but proof of document is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Assets for sale of property - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXX XXXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Second Home | Purchase | NA |  | N/A | N/A |
| XXXX | 2137676 |  |  | Closed | 2026-02-18 00:24 | 2026-02-24 01:58 | 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. Fraud Report - 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/Medium alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - 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>| XXXXXXX XXXXXX.XXX |  |  | XX | Second Home | Purchase | NA |  | N/A | N/A |
| XXXX | 2137691 |  |  | Closed | 2026-02-18 04:36 | 2026-02-23 02:46 | Resolved | 1 - Information D 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. XXXXXX SSR - LCA 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 XXXXXX 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. XXXXXX SSR - LCA Score of 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>| XXXXXX_XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137691 |  |  | Closed | 2026-02-18 07:36 | 2026-02-23 01:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested XXXX Final Document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Requested XXXX Final Document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137691 |  |  | Closed | 2026-02-18 05:58 | 2026-02-23 01:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Requested "XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX" provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX<br> - Seller-XX/XX/XXXX <br>Open-XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX<br> - Seller-XX/XX/XXXX<br>| Resolved-Requested "XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX" provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_XXXXX XXXX XXXXXX XXXXXXX XX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140011 |  |  | Closed | 2026-02-24 12:57 | 2026-03-03 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated guidelines provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide LOX or XX months payment history for primary residence to verify XxXXxXX payment history. - Due Diligence Vendor-XX/XX/XXXX | The intent of our guideline was to ensure that if the primary mortgage does not appear on the borrower/guarantors credit report, that the mortgage on the primary residence was in good standing. This was meant to be accomplished by asking for a mortgage statement for that property. Our guidelines were inadvertently unclear on this point and the language in our guidelines will be adjusted to reflect the intent and it will read as follows:<br>Primary residence Mortgage History:<br> X. Must provide proof of satisfactory payment history for the last XX months on the borrower's Primary Residence, and all other mortgage accounts reported on credit.<br> X. If the borrower owns their primary residence and the mortgage history exists as a tradeline on the guarantor credit report and shows a satisfactory XX-month payment history, then no further verification is required.<br> i. The above also applies to other mortgage tradelines reporting on credit.<br> ii. However, if the primary residence mortgage does not appear on the borrower/guarantor's credit report, then only a current mortgage statement is required to ensure the mortgage is in good standing.<br> X. If the borrower rents their primary residence, then a XX-month Verification of Rents (VOR) is required.<br> i. Proof of last XX months of payments via bank statements is also acceptable<br> ii. If the borrower lives rent free in their primary residence, then a "Rent Free" letter must be provided<br> - XX/XX/XXXX <br>| Resolved-Updated guidelines provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137693 |  |  | Closed | 2026-02-20 05:07 | 2026-02-24 04:38 | 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 - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Final Stamped/signed HUD not in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137685 |  |  | Closed | 2026-02-23 11:51 | 2026-05-28 13:23 | Acknowledged | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | Originator Post-Close | No |
| XXXX | 2137685 |  |  | Closed | 2026-02-20 05:37 | 2026-02-25 02:41 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR rental value considered from XXXXXX short term, and XXX Xxx doc is missing, Provided XXX xxx, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX attached - Seller-XX/XX/XXXX <br>Open-Per lender calculation worksheet gross rent is considered from XXXXXXX of $X,XXX.XX. XXXXXXX/Short term rental document is missing in file. Provide STR/XXXXXXX document - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX attached - Seller-XX/XX/XXXX<br>| Resolved-DSCR rental value considered from XXXXXX short term, and XXX Xxx doc is missing, Provided XXX xxx, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2151854 |  |  | Closed | 2026-02-22 22:51 | 2026-05-11 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received Asset Depletion calculator. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset Depletion income calculator. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received Asset Depletion calculator. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2137686 |  |  | Closed | 2026-02-23 22:34 | 2026-02-25 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - 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 uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>|  | XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2140109 |  |  | Closed | 2026-02-24 04:21 | 2026-03-10 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access letter is missing for #XXXX (Joint Account page #XX & XXX), asked for same, provided Updated Final XXXX where stating the same account is not removed, changes made in system, Finding Resolved - 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-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide the letter of explanation showing the borrower has authorized access to all funds from account #XXXX (Joint Account page #XX & XXX) as per XX XX.XX.XXXX page #XX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Access letter is missing for #XXXX (Joint Account page #XX & XXX), asked for same, provided Updated Final XXXX where stating the same account is not removed, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140109 |  |  | Closed | 2026-02-24 13:29 | 2026-03-10 11:58 | Resolved | 1 - Information C A | Credit | Credit | Subject Gross Monthly Rent Income not verified | Resolved-XXXX and XXXX market rent of $XX,XXX\*XX% expense factor is $XX,XXX monthly allowed per XX X.X.X.X Option X. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The document provided does not support the STR figure on the Borrower/Loan Information DSCR calculation sheet in the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX <br>Counter-Provide the XXXX to support the STR figure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX <br>Open-Provide XXXX per loan approval on page XXX to substantiate STR on page XXX of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX<br>| Resolved-XXXX and XXXX market rent of $XX,XXX\*XX% expense factor is $XX,XXX monthly allowed per XX X.X.X.X Option X. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXX - XXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXX - XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140109 |  |  | Closed | 2026-02-24 04:04 | 2026-02-26 01:58 | 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. Fraud Report - 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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - 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>| XXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140109 |  |  | Closed | 2026-02-24 03:47 | 2026-02-25 03:15 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is 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. SSR - 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 FNMA or FHLMC 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. SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation is 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>| XXXXXXX XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2137688 |  |  | Closed | 2026-02-24 02:39 | 2026-02-26 11:09 | 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 - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide updated settlement statement as the one in file (X) doesn't show prior first lien being paid off - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140104 |  |  | Closed | 2026-02-23 23:50 | 2026-03-01 22:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested electronically signed final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX<br> - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX is missing. Provide final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX<br> - Seller-XX/XX/XXXX<br>| Resolved-Requested electronically signed final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXX XXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140104 |  |  | Closed | 2026-02-23 22:57 | 2026-02-27 00:23 | 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 - 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 alert. The required cleared fraud / Risk assessment report is missing.<br> - 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 - 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>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 02:30 | 2026-03-09 08:41 | 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) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received final Hud - assets are now sufficient - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS attached shows cash to close is less than what was on HUD - Seller-XX/XX/XXXX <br>Counter-HUD in file has $XX,XXX.XX+$XXXX unverified EMD and he has $XX,XXX.XX in assets, therefore assets are not sufficient. Even with the CPA letter stating XXX% owner ship still short.<br> please provide Final True and certified HUD. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) \*\*This will reconcile once asset authorization is received\*\*<br> As per matrix XX.XX.XXXX for LTV<=XX% reserves required X months of PITIA. Final HUD showing cash from borrower $XX,XXX.XX+ PITIA $X,XXX.XX(X \*$X,XXX.XX months reserves) = $XX,XXX.XX , available verified asset $XX,XXX.XX . the loan is short funds $X,XXX.X, provide the additional assets to cover the short amount.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS attached shows cash to close is less than what was on HUD - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-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>Resolved-received final Hud - assets are now sufficient - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.XXX_XXXXX_<br> XXXXX XX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 05:29 | 2026-03-09 08:40 | 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>Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Unable to determine ownership % for the business "XXXXXX XXXXXXXXXXXXXX XXX" and if funds are authorized to be used if borrower is not XXX% owner - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 05:29 | 2026-03-09 08:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Unable to determine ownership % for the business "XXXXXX XXXXXXXXXX XXX" and if funds are authorized to be used if borrower is not XXX% owner - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 05:15 | 2026-03-06 10:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-received final signed XXXX dated X/X/XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Counter-XXXX uploaded is in file, Final XXXX signed at closing not in file - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final signed XXXX not in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-received final signed XXXX dated X/X/XX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX_XXXX.XXX_XXXXX_<br> XXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 05:19 | 2026-02-26 12:31 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-received DSCR calc. DSCR is X.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calc matches audited amount in condition - Seller-XX/XX/XXXX <br>Open-Audited DSCR X.XXX%, lender DSCR X.XX% variance is X.XXX% this is due toX) lender consider the Tax amount $ XXX.XX as per our calculation tax amount is $XXX.XX X) as per our calculation considered the rent amount $XXXX from XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calc matches audited amount in condition - Seller-XX/XX/XXXX<br>| Resolved-received DSCR calc. DSCR is X.XX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 02:05 | 2026-02-26 12:20 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-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 X high uncleared 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-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140097 |  |  | Closed | 2026-02-24 00:52 | 2026-02-26 12:35 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated the credit scores as per credit report in file page #XXX, as per the credit report qualifying FICO is XXX. however UW considered the FICO score XXX in XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated the credit scores as per credit report in file page #XXX, as per the credit report qualifying FICO is XXX. however UW considered the FICO score XXX in XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140012 |  |  | Closed | 2026-02-26 12:25 | 2026-02-27 08:42 | Resolved | 1 - Information D 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143984 |  |  | Closed | 2026-02-25 21:16 | 2026-03-20 10:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-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. Please be advised that the documents are not recorded yet, this property is in XXXX and they recent had a malware attack. Due to this the documents are taking longer to get recorded. The final loan amount we show was for $X,XXX,XXX.XX, attached is the schedule A.<br> - Seller-XX/XX/XXXX <br>Counter-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FSS - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please be advised that the documents are not recorded yet, this property is in XXXX and they recent had a malware attack. Due to this the documents are taking longer to get recorded. The final loan amount we show was for $X,XXX,XXX.XX, attached is the schedule A.<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FSS - Seller-XX/XX/XXXX<br>| Resolved-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-XXXXX XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXX X.XXX_XXXXX_<br> XXXXXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143984 |  |  | Closed | 2026-02-25 22:17 | 2026-03-02 07:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Provide updated insurance as the provided one on page XXX expiration date is XX/XX/XXXX before the note date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143984 |  |  | Closed | 2026-02-25 22:29 | 2026-03-01 23:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition 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. Fraud Report - Seller-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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared fraud report provided, updated & condition 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>| XXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143984 |  |  | Closed | 2026-02-25 22:11 | 2026-02-27 01:07 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - 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>| XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143983 |  |  | Closed | 2026-02-26 15:30 | 2026-03-16 08:35 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Use higher monthly rent as proof of two months payment provided. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Provide satisfactory supporting documentation clearly confirming XXXX made the payments. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Provide evidence the payments came from the tenant XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Copy of February and March payment and march rental receipt - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. written rent receipts and Feb lease payment - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rent Deposits and Rent receipts - Seller-XX/XX/XXXX <br>Open-Using actual higher monthly lease amount. Provide X months receipts of rent per GL X.X.X.X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Copy of February and March payment and march rental receipt - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. written rent receipts and Feb lease payment - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rent Deposits and Rent receipts - Seller-XX/XX/XXXX<br>| Resolved-Use higher monthly rent as proof of two months payment provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXX.XXX_XXXXX_<br> XXX XXXXXXX XXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XX XXXXXXXX XXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XX XXXXX XXXXXX XXXXXXX.XXX_XXXXX_<br> XXX XXXXX XXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143983 |  |  | Closed | 2026-02-26 02:08 | 2026-03-02 02:32 | 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 GL 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> - 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>| XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140096 |  |  | Closed | 2026-02-26 04:51 | 2026-03-02 03:20 | 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 - 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. Fraud Report - Seller-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 X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, 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>| XXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140106 |  |  | Closed | 2026-02-26 22:17 | 2026-03-03 08:18 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial XXXX<br> - Seller-XX/XX/XXXX <br>Open-Provide updated initial XXXX as the provided one page XXX LO signed is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial XXXX<br> - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140106 |  |  | Closed | 2026-02-26 22:10 | 2026-03-03 01:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide fraud report as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - 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>| XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2137699 |  |  | Closed | 2026-02-25 23:04 | 2026-02-27 02:12 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is 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. Freddie SSR - 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 FNMA or FHLMC 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. Freddie SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation is 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>| XXXXXXXX XXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2151855 |  |  | Closed | 2026-02-27 11:36 | 2026-03-04 07:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-The Note is Incomplete Provide execute Note. Borrowers signature is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX- XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2138595 |  |  | Closed | 2026-02-26 02:17 | 2026-03-02 06:18 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US citizen identification document missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXX XXXX XX.XXX |  | X. XXX XXX XX XX% XXXX XX XX XX%.<br> X. XXXX XXXXXX XX XXXXXXXX. XX XXX XXXX XX XX X.<br> X. XXXXXXX XXXXXXX XX XXXX XXX XXXX XX XXXXXX. | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  | Originator Post-Close | Yes |
| XXXX | 2138595 |  |  | Closed | 2026-02-26 02:17 | 2026-03-02 06:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US citizen identification document missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXX XXXX XX.XXX |  | X. XXX XXX XX XX% XXXX XXX XX XX XX%.<br> X. XXXX XXXXXX XX XXXXXXXX. XX XXX. XX XXXXXXXX XXXX XX XX X XXX.<br> X. XXXXXXX XXXXXXX XX XXXX XXXX XX XXXXXX. | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  | Originator Post-Close | Yes |
| XXXX | 2138595 |  |  | Closed | 2026-02-26 02:10 | 2026-03-02 06:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception to allow CLTV XX.XXX% with FICO XXX on bank statement program - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Open-Audited FICO of XXX is less than Guideline FICO of XXX Borrower X primarily qualified using XX months of bank statements. For the primary refinance, the minimum FICO required per GL to meet the XX% LTV is XXX; however, the audited FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception to allow CLTV XX.XXX% with FICO XXX on bank statement program - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXX.XXX |  | X. XXX XXX XX XX% XXXX XXX XX XX XX%.<br> X. XXXX XXXXXX XX XXXXXXXX. XX XXX. XX XXXXXXXX XXXX XX XX X XXX.<br> X. XXXXXXX XXXXXXX XX XXXX XXXX XX XXXXXX. | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  | Originator Post-Close | Yes |
| XXXX | 2138595 |  |  | Closed | 2026-02-26 02:51 | 2026-02-26 02:56 | 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 and the Final Closing disclosure on Pg #XXX 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 #XX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - 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 and the Final Closing disclosure on Pg #XXX 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 #XX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  | N/A | N/A |
| XXXX | 2144467 |  |  | Closed | 2026-03-02 08:54 | 2026-03-05 02:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Loan Application 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-Loan application is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Loan Application uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2144468 |  |  | Closed | 2026-03-04 07:50 | 2026-03-05 08:03 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The loan application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXXXXX XXXX XXX.XXX |  | XXXXXXXXXXX XXXXX XX/XX/XXXX XXXXXXXX. | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2144469 |  |  | Closed | 2026-03-04 11:02 | 2026-03-05 05:41 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan Application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140018 |  |  | Closed | 2026-02-26 23:25 | 2026-03-05 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX with corrected qualifying fico method to match credit documents in loan file - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-XXXX provided has a different Qualifying Credit Score then what's showing on credit documents in the loan file. Please correct and re-upload. - 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. Provide XXXX document as it is not included in the file. - 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-Lender provided updated XXXX with corrected qualifying fico method to match credit documents in loan file - finding resolved. - 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.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2143981 |  |  | Closed | 2026-03-02 02:39 | 2026-03-16 08:17 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX <br>Counter-Provide an unexpired acceptable secondary valuation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) The valuation review product X in file is expired. Provide the updated FNMA SSR report with a score less than X.X, or updated Appraisal Desk Review with in XXX days of note date.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXXXXXXXX XXXX.XXX_XXXXX_<br> XXX - XXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143981 |  |  | Closed | 2026-03-02 03:36 | 2026-03-09 15:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-SS received and updated system. - 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. Final SS - Seller-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Provide final SS with signature and stamped true cert final. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Final HUD X does not contain the payoff amount of $ XXXXXX.XX as a line item. Provide the updated Final HUD X with payoff amount of $ XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| Resolved-SS received and updated system. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX_XXXXX_<br> XXXXXXXX XXXXX XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2143981 |  |  | Closed | 2026-03-02 02:55 | 2026-03-04 13:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The comp factors for score and reserves are entered for the LTV exception for DSCR Low Ratio LTV max of XX% for condo. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX.X% exceeds Guideline LTV of XX% As per matrix XX.XX.XXXX for low ratio DSCR for Condo max LTV is XX%, Audited LTV exceeds the GL LTV. Provide comp factors for exception (file contains pricing for exception). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| Waived-The comp factors for score and reserves are entered for the LTV exception for DSCR Low Ratio LTV max of XX% for condo. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX.<br> XXXX XXXXXXXX XX $XX,XXX.XX (XX.XX XXX) XXXXXX XXX XXXXXXX XX $XX,XXX.XX (X XXX). | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | Originator Post-Close | Yes |
| XXXX | 2143981 |  |  | Closed | 2026-03-02 02:58 | 2026-03-04 13:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report contains no alerts. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-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 X high & X medium uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report contains no alerts. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2140115 |  |  | Closed | 2026-03-02 05:00 | 2026-03-04 06:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Received secondary property page updated - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - 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 FNMA or FHLMC 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. Freddie SSR - Seller-XX/XX/XXXX<br>| Resolved-Received secondary property page updated - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140015 |  |  | Closed | 2026-03-03 10:36 | 2026-03-16 10:33 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received X months bank statements. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing additional month for rental deposit. X months of receipts required. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Previous DSCR worksheet pulled the wrong P&I. Corrected DSCR worksheet has been uploaded. X months of bank statements showing the lease payments from tenants have been uploaded as well. - Seller-XX/XX/XXXX <br>Counter-X. P&I does not match the P&I listed on the Note.<br> X. Missing X months deposit receipts to use the full amount of the lease income. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing DSCR calculation worksheet to confirm DSCR. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Previous DSCR worksheet pulled the wrong P&I. Corrected DSCR worksheet has been uploaded. X months of bank statements showing the lease payments from tenants have been uploaded as well. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received X months bank statements. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXX XXXXXXX X XXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXX XXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140015 |  |  | Closed | 2026-03-05 07:15 | 2026-03-06 11:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing initial XXXX to confirm the application date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received initial XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140015 |  |  | Closed | 2026-03-03 07:18 | 2026-03-06 00:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final HUD-X document 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-Closing Doc is Missing. Estimated HUD in the file, missing Final HUD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140015 |  |  | Closed | 2026-03-03 06:48 | 2026-03-05 23:27 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - 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. Provide XXXX doc as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested XXXX document provided, updated & condition resolved. - 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.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143060 |  |  | Closed | 2026-03-03 05:32 | 2026-03-16 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Per credit report dated X/XX/XX, qualifying score is XXX. Per guidelines when X guarantors are present, the lower middle score is used for qualifying FICO. Please provide updated XXXX indicating the same. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Qualifying credit score not correct - review credit report and provide correct score on XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Lender provided XXXX however Qualifying Credit Score doesn't match credit score on credit documents 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. Provide XXXX doc as it is missing from file. - 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2143060 |  |  | Closed | 2026-03-03 06:07 | 2026-03-05 23:23 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Requested updated HUD-X with settlement agent sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated HUDX as the one in file is missing settlement agent sign. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested updated HUD-X with settlement agent sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX - XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2143059 |  |  | Closed | 2026-03-03 14:38 | 2026-03-16 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Per credit report dated X/XX/XX, qualifying score is XXX. Per guidelines when X guarantors are present, the lower middle score is used for qualifying FICO. Please provide updated XXXX indicating the same. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Qualifying credit score not correct - review credit report and provide correct score on XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-XXXX provided however Qualifying Credit Score does not match credit documents 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. - 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140014 |  |  | Closed | 2026-03-03 14:32 | 2026-03-06 11:41 | Resolved | 1 - Information D 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Missing XXXX from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140013 |  |  | Closed | 2026-03-03 04:15 | 2026-03-06 01:35 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Executed Final Settlement Statement 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-Provide updated HUDX as the one in file is missing settlement agent sign. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Executed Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX - XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2140013 |  |  | Closed | 2026-03-03 02:54 | 2026-03-06 01:34 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-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. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-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.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2141204 |  |  | Closed | 2026-03-10 23:49 | 2026-03-12 12:18 | Waived | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Max Fee: $XXX+$XXXX=$XXXX<br> line AX Origination Fee is $XXXX, which is less than max - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Max Fee: $XXX+$XXXX=$XXXX<br> line AX Origination Fee is $XXXX, which is less than max - Seller-XX/XX/XXXX<br>| Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | Originator Post-Close | No |
| XXXX | 2141204 |  |  | Closed | 2026-03-10 23:03 | 2026-03-12 12:17 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Updated XXXXXXXX Statement uploaded, Verified & entered in system - Resolved - 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. Please see attached - Seller-XX/XX/XXXX <br>Open-Asset X Expired XXXXXXXX Statement provided on page #XXX is expired. Provide updated XXXXXXXX statement to verify the updated assets. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXXXXXX Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2141204 |  |  | Closed | 2026-03-10 23:03 | 2026-03-12 12:17 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-XXXXXXX XXXXXXX #XXXX account statements uploaded, Asset X Meets XXXXXXXXX Requirement, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide XXXXXXX XXXXXXX #XXXX account statements to verify the asset funds of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXX XXXXXXX #XXXX account statements uploaded, Asset X Meets XXXXXXXXX Requirement, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2141204 |  |  | Closed | 2026-03-10 23:03 | 2026-03-12 12:17 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Proof for funds from XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXX uploaded, Asset X Meets XXXXXXXXX Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX <br>Open-Asset X Does Not Meet XXXXXXXXX Requirements Borrower to provide proof of withdrawing funds from XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXX of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Proof for funds from XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXX uploaded, Asset X Meets XXXXXXXXX Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2141204 |  |  | Closed | 2026-03-10 23:49 | 2026-03-12 07:29 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX_XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2140101 |  |  | Closed | 2026-03-03 22:23 | 2026-03-05 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report no alerts Updated fraud page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Received fraud report no alerts Updated fraud page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2140101 |  |  | Closed | 2026-03-03 22:04 | 2026-03-05 03:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is 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 XXXXXXXXX requirements and CU Score, if present, is greater than X.X Provide updated Secondary Valuation report with CU Scores - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary valuation is 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>| XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2140101 |  |  | Closed | 2026-03-03 22:48 | 2026-03-04 13:51 | 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 and Final Closing disclosure on Pg #XXX-XXX 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 and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML This loan passes HPML XXXXXXXXXX and is HPML compliant loan - 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 and Final Closing disclosure on Pg #XXX-XXX 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 and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML This loan passes HPML XXXXXXXXXX and is HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2140105 |  |  | Closed | 2026-03-04 02:26 | 2026-03-05 15:15 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated the system with the provided cleared fraud report. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the GL 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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated the system with the provided cleared fraud report. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140076 |  |  | Closed | 2026-03-05 06:55 | 2026-03-09 14:06 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Waived-Exception is to use letter from borrower as business narrative. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Exception is to use letter from borrower as business narrative. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Counter-Approval letter states to provide business narrative the attached is letter from the borrower. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Business Narrative is missing from the file - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception is to use letter from borrower as business narrative. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXX.XXX |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2140076 |  |  | Closed | 2026-03-04 13:10 | 2026-03-09 14:03 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX <br>Open-XX.XX fee was not reflected on the final CD. Do see the disclosure in file just no fee on final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) The XXXXXXXXXX foreclosure fee of XX.XX is not reflected on the final CD. Do see the disclosure ion the file but not seeing where the fee was paid on final CD. <br>XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. State specific finding. - 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-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXX XXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2143982 |  |  | Closed | 2026-03-05 15:58 | 2026-03-11 13:52 | 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 - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Settlement agent prepared Settlement statement and our Itemization from closing package, which includes the payoff and is listed as a condition of the loan on our loan Approval. - Seller-XX/XX/XXXX <br>Counter-Based on title and docs there is a lien on the property with XXXXXXXXXX that originated X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide updated final HUD-X as the provided one on page XXX Settlement agent signature is missing and payoff not reflecting in HUD-X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Settlement agent prepared Settlement statement and our Itemization from closing package, which includes the payoff and is listed as a condition of the loan on our loan Approval. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXX.XXX_XXXXX_<br> XXXXX XXXXXX XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXXXXX XX XXXXXX XXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143985 |  |  | Closed | 2026-03-09 04:09 | 2026-03-19 07:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Attached document is the Final executed Closing Disclosure showing Loan Depo as paid off. - 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>Counter-Please provide final executed HUD showing mortgage being paid off at closing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The TIL and Itemization of Amount financed disclosed accurately and is attached for reference. Loan Depo is itemized and included in amounts accordingly. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure As per the FINAL XXXX the Mortgage " XXXXXXXX XX #XXXX " Paid of $XXX,XXX.XX. " where as it IS not reflecting in FINAL CD Pay off and payment section. provide the updated FINAL CD CD. also Annual Percentage Rate (APR), Total Interest Percentage (TIP) not showing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The TIL and Itemization of Amount financed disclosed accurately and is attached for reference. Loan Depo is itemized and included in amounts accordingly. - Seller-XX/XX/XXXX<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX XXXX XXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXXXXXXXX XX XXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXX XX XXXXX.XXX_XXXXX_<br> XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143978 |  |  | Closed | 2026-03-05 22:02 | 2026-03-11 02:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2143978 |  |  | Closed | 2026-03-05 21:43 | 2026-03-09 14:24 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR updated property page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX<br>| Resolved-Received SSR updated property page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140113 |  |  | Closed | 2026-03-09 06:15 | 2026-03-10 12:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clear fraud report - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Per the GL 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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Received clear fraud report - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2140113 |  |  | Closed | 2026-03-09 04:54 | 2026-03-09 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | 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 One in file Guaranty agreement is missing. Provide Guaranty agreement document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2151778 |  |  | Closed | 2026-03-11 23:32 | 2026-03-27 03:16 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested previous address provided, updated & condition 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 Primary Mortgage or Current Rent History is verified XX months from Rent payment history on pg XXX, need complete XX months history, property Report in file but property is purchase and borrower lives for rent and rent payment is provided for XX months, need VOR and there is o previous address to validate - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested previous address provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX.XXX_XXXXX_<br> XXX - XXXX XXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2151778 |  |  | Closed | 2026-03-12 11:56 | 2026-03-19 12:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received corrected HOI premium raising DSCR above X and meeting LTV requirement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Correct HOI has been uploaded showing $X,XXX/XX = $XXX per month which matches the DSCR worksheet and Final HUD. DSCR is over X.XX - Seller-XX/XX/XXXX <br>Open-Audited LTV Exceeds XXXXXXXXX LTV The HOI premium in the file is listed higher than the premium listed on the settlement/first payment letter causing the DSCR to be below X and causing the max LTV to be XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Correct HOI has been uploaded showing $X,XXX/XX = $XXX per month which matches the DSCR worksheet and Final HUD. DSCR is over X.XX - Seller-XX/XX/XXXX<br>| Resolved-Received corrected HOI premium raising DSCR above X and meeting LTV requirement. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX (X).XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2151778 |  |  | Closed | 2026-03-12 00:09 | 2026-03-19 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | 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 premium of $XXXX in Insurance document does not matches with required Premium of $XXXX from Settlement statement and FPL, Need updated insurance document with required premium of $X,XXX/XX = $XXX /monthly - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX (X).XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2151778 |  |  | Closed | 2026-03-12 10:47 | 2026-03-18 08:09 | 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. Borrower owned his previous primary address, but sold it in XXXX right before he moved into his current primary home. - Seller-XX/XX/XXXX <br>Open-XXXX show not show X year housing, missing former property address. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower owned his previous primary address, but sold it in XXXX right before he moved into his current primary home. - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2153392 |  |  | Closed | 2026-03-18 07:17 | 2026-03-24 00:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Updated flood insurance policy doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-invoice and HUD showing policy was paid attached. There is an effective date on invoice (X/XX) and on hud reflects its for the full year. - Seller-XX/XX/XXXX <br>Open-Flood Insurance Policy Partially Provided Flood policy effective and expiration date is missing in provided Flood insurance. Please provide documentation to support the policy period. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-invoice and HUD showing policy was paid attached. There is an effective date on invoice (X/XX) and on hud reflects its for the full year. - Seller-XX/XX/XXXX<br>| Resolved-Updated flood insurance policy doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXXXX XXX XXXX XXX XX XXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXX XXX.XXX_XXXXX_<br> XXXXXXX XXXXXXXX XXX XXXX XXX XX XXXXX XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2151718 |  |  | Closed | 2026-03-23 22:57 | 2026-03-30 00:51 | 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> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-The fraud report in file (page # XXX) is showing X high and X Low uncleared alert. The required clear fraud report is missing from file - XXX XXXXXXXXXX XXXXXX-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> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2151718 |  |  | Closed | 2026-03-23 03:32 | 2026-03-26 14:10 | 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)) The loan meets XXXX XXXXXXXXXX and is a Compliant HPML loan<br>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 and Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX,XXX,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,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - 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 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)) The loan meets XXXX XXXXXXXXXX and is a Compliant HPML loan<br>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 and Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX,XXX,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,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2151702 |  |  | Closed | 2026-03-23 05:42 | 2026-03-27 02:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty Agreement Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Provide fully executed Guaranty Agreement <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| Resolved-Requested Guaranty Agreement Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX_XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2151702 |  |  | Closed | 2026-03-23 07:50 | 2026-03-27 02:29 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR Worksheet Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR calculator - Seller-XX/XX/XXXX <br>Open-Please provide lender work sheet it is not available in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR calculator - Seller-XX/XX/XXXX<br>| Resolved-Requested DSCR Worksheet Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2154545 |  |  | Closed | 2026-03-20 16:00 | 2026-04-03 11:14 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all business entity documents - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide certificate of good standing must be dated within twelve months of the application submission date for XXX XXXXXXXXXX XXXXXXXX XXX (this LLC is the sole member of XXX XXXXX XXXXXXX XXX) & Article of Incorporation for XXX XXXXXXXXXX XXXXXXXX XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided all business entity documents - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX_XXXXX_<br> XXXXXXXXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2154544 |  |  | Closed | 2026-03-20 15:12 | 2026-04-03 05:04 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all business entity documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide certificate of good standing must be dated within twelve months of the application submission date for XXX XXXXX XXXXXXX XXX & XXX XXXXXXXXXX XXXXXXXX XXX (this LLC is the sole member of XXX XXXXX XXXXXXX XXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided all business entity documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX_XXXXX_<br> XXXXXXXXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2151776 |  |  | Closed | 2026-03-20 02:31 | 2026-03-27 00:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Notary signed on XX/XX/XXXX, we have settlement statement and Settlement Date is on XX/XX/XXXX and Disbursement date on XX/XX/XXXX which is prior to notary. Need updated closing document (HUD or settlement) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2151777 |  |  | Closed | 2026-03-20 13:19 | 2026-03-27 13:14 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided certificate of good standing - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Certificate of good standing must be dated within twelve months of the application submission date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided certificate of good standing - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXX XX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno |  | N/A | N/A |
| XXXX | 2151777 |  |  | Closed | 2026-03-20 12:41 | 2026-03-25 10:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-updated XXXX adding subject property to the REO section of the XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Updated XXXX required as Subject Property is missing from REO section X of the application and borrower/LLC owns the property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-updated XXXX adding subject property to the REO section of the XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno |  | N/A | N/A |
| XXXX | 2151889 |  |  | Closed | 2026-03-26 03:09 | 2026-03-27 11:29 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XX XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | Investor Post-Close | No |
| XXXX | 2151703 |  |  | Closed | 2026-03-26 20:55 | 2026-03-30 00:55 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU (XXXXXX SSR) uploaded, verified & entered in system - 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. SSR - 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 (with acceptable variance to Primary) per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX<br>| Resolved-CU (XXXXXX SSR) uploaded, verified & entered in system - 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>| XXXXXX XXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2151715 |  |  | Closed | 2026-03-27 02:22 | 2026-03-30 12:36 | 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 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 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#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX,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#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s 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 <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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 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#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX,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#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2151890 |  |  | Closed | 2026-03-29 09:58 | 2026-04-01 07:12 | 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) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX Which is Less than Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXX XXXXXX XXXXXX XXXX XXXXXXXXXXXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2151890 |  |  | Closed | 2026-03-29 08:12 | 2026-03-31 13:24 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The buyer has acknowledged the NJ PPP. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document received; Finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Acknowledged-The buyer has acknowledged the NJ PPP. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document received; Finding resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | Investor Post-Close | No |
| XXXX | 2154543 |  |  | Closed | 2026-03-31 12:13 | 2026-04-03 05:08 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Lender provided Master HOA HOI declaration page - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Underwriter confirmed the HOA policy by calling the insurance company herself. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per the underwriter, she confirmed that the master HOA policy covers the outside of the property while the HOI policy the borrower obtained covers the inside of the property. - Seller-XX/XX/XXXX <br>Open-Provide Master HOA Insurance Declaration page - property is NOT a Condo but it is an Attached Townhouse and the HOI policy provided is an HOX Walls-In Policy. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Underwriter confirmed the HOA policy by calling the insurance company herself. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per the underwriter, she confirmed that the master HOA policy covers the outside of the property while the HOI policy the borrower obtained covers the inside of the property. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided Master HOA HOI declaration page - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX XXX..XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2154543 |  |  | Closed | 2026-03-31 12:06 | 2026-04-02 08:06 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Lender provided revised appraisal report with all images downloaded to report - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-All required pictures/maps/license photos are missing from the appraisal report - it appears they didn't download to the report completely. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided revised appraisal report with all images downloaded to report - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXX XX_XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2154543 |  |  | Closed | 2026-03-31 11:53 | 2026-04-02 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX - finding resolved. - 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. The loan amount and the qualifying interest rate on the XXXX provided don't match the executed Note. please update the XXXX to match the Note. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2154543 |  |  | Closed | 2026-03-30 08:05 | 2026-04-02 08:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per our guidelines, lease agreement is at $XXX and market rent on appraisal came in at $X,XXX. We used XXX% to calculate the final rent to be used for the DSCR.<br> $XXX x XXX% =$X,XXX which makes the DSCR = X.XXX - Seller-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV Per GL's min LTV for DSCR Ready for Review-Document Uploaded. Per our guidelines, lease agreement is at $XXX and market rent on appraisal came in at $X,XXX. We used XXX% to calculate the final rent to be used for the DSCR.<br> $XXX x XXX% =$X,XXX which makes the DSCR = X.XXX - Seller-XX/XX/XXXX<br>XXXX XXXXXXXXX - XXXXXX.XXX XX Investment Refinance Cash Out - Other N/A N/A |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155670 |  |  | Closed | 2026-03-31 08:36 | 2026-04-15 06:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender verified ownership for borrower - confirmed via page #XXX that borrower is listed as a title owner as of XX/XX/XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Borrower is on title and owns the primary. There is a mortgage under the spouse's name but he still has ownership to the primary property. This is shown on the property profile. He has ownership of the property and is on the deed. He is just not on the mortgage. HIs spouse is but the lien is against the property which he owns. - Seller-XX/XX/XXXX <br>Open-Primary Mortgage or Current Rent History is considered from property report on page XXX showing borrower has a mortgage on their primary residence as of XX/XX/XXXX however there is no mortgage reporting on the credit report and the mortgage statement provided from XXXXXXX #XXXX on #XXX only has the non-borrowing spouses name on it. (the statement is allowed per guidelines however our borrowers name is not listed on it). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Borrower is on title and owns the primary. There is a mortgage under the spouse's name but he still has ownership to the primary property. This is shown on the property profile. He has ownership of the property and is on the deed. He is just not on the mortgage. HIs spouse is but the lien is against the property which he owns. - Seller-XX/XX/XXXX<br>| Resolved-Lender verified ownership for borrower - confirmed via page #XXX that borrower is listed as a title owner as of XX/XX/XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155670 |  |  | Closed | 2026-03-31 08:16 | 2026-04-02 08:11 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Lender provided appraisal report with all required photos downloaded to report - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-All required photos/maps/license pictures missing from appraisal report (pictures did not download to the report). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided appraisal report with all required photos downloaded to report - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX XX XXXX XX_XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155670 |  |  | Closed | 2026-03-31 08:05 | 2026-04-02 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender uploaded updated XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Final XXXX to be updated for the qualifying rate (X% when note rate shows X.X%) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender uploaded updated XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155497 |  |  | Closed | 2026-03-30 23:51 | 2026-04-06 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Requested X months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rental agreement shows the leases and Xst months + security deposit for both units - Seller-XX/XX/XXXX <br>Open-Missing Verification of Rent Loan qualified with lease amount of $X,XXX which is higher than the market rent amount of $X,XXX. XX X.X.X.X states if using the higher amount, evidence of X-months receipt of the $X,XXX is required. Provide two months receipt as evidence to support the requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Rental agreement shows the leases and Xst months + security deposit for both units - Seller-XX/XX/XXXX<br>| Resolved-Requested X months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155497 |  |  | Closed | 2026-03-30 23:49 | 2026-04-06 04:55 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Requested updated DSCR calculation sheet with DSCR of X.XXX% provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX <br>Open-Calculated DSCR Ratio is Rent amount $X,XXX/PITIA $X,XXX.XX = X.XXX DSCR and Originator Consider DSCR Ratio is Rent amount $X,XXX/PITIA $X,XXX.XX = X.XXX DSCR Variance is X.XXX. due to Originator/DSCR Worksheet & XXXX document on page#XX,XXX Monthly Property Tax Premium amount showing as $XX.XX. but as per FINAL HUD-X & Xst payment letter on page#XXX,XXX. Monthly Property Tax Premium amount showing as $XXX. Provide the updated DSCR Worksheet & XXXX document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX<br>| Resolved-Requested updated DSCR calculation sheet with DSCR of X.XXX% provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153090 |  |  | Closed | 2026-03-31 03:36 | 2026-04-02 12:34 | Resolved | 1 - Information B A | Credit | Credit | Spousal Consent Missing | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Spousal consent is not required for Business entity Loans<br> - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. spousal consent is not required for Business entity Loans, hence Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Spousal consent is not required for Business entity Loans<br> - Seller-XX/XX/XXXX<br>| Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. spousal consent is not required for Business entity Loans, hence Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153090 |  |  | Closed | 2026-03-31 14:54 | 2026-04-02 12:34 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all entity required documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and has stayed the same since creation of the business. - Seller-XX/XX/XXXX <br>Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and has stayed the same since creation of the business. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided all entity required documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153090 |  |  | Closed | 2026-03-31 14:30 | 2026-04-02 08:22 | Resolved | 1 - Information C A | Compliance | Closing | Rider to note is unsigned | Resolved-Lender provided executed Rider - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Addendum for Renewal and Extension Rider is not executed (see page #XXX of the loan documents) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided executed Rider - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXX XXXXXXX XXX XXXXXXXXX - XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153090 |  |  | Closed | 2026-03-31 14:19 | 2026-04-01 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided Final XXXX - XXXX page updated to match final XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided Final XXXX - XXXX page updated to match final XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153090 |  |  | Closed | 2026-03-31 14:23 | 2026-04-01 09:58 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Lender provided updated XXXX with all REO/Primary Addresses - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-All REO data in section X is missing from the application - no addresses listed for primary/investment property. provide updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated XXXX with all REO/Primary Addresses - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153093 |  |  | Closed | 2026-04-01 13:35 | 2026-04-02 15:04 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender provided updated DSCR Worksheet - DSCR matches - finding resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-DSCR worksheet provided states lender is using the lease agreement rent of $XXXX however no supporting documentation was provided to support using the higher of the lease vs the market rent.. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Lender to provide DSCR Worksheet to confirm there is not variance between reviewer and lender.. <br>DSCR Calculation is as follows: Gross Rent $XXXX / PITIA $XXXX.XX = X.XX DSCR<br> PITIA: P&I $XXX.XX + Taxes $XXX.XX + HOI $XXX.XX = $XXXX.XX<br> Gross rent from rent Schedule on pg XXin the amount of $XXXX and Lease is on pg XXX in the amount of $XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender provided updated DSCR Worksheet - DSCR matches - finding resolved.<br> - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153093 |  |  | Closed | 2026-04-01 13:34 | 2026-04-02 12:32 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date as well as EIN confirmation (IRS document in file is from XXXX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX_XXXXX_<br> XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX_XXXXX_<br> XXX XXXXX X XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153093 |  |  | Closed | 2026-03-31 21:26 | 2026-04-02 12:26 | Resolved | 1 - Information B A | Credit | Credit | Spousal Consent Missing | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX _xXXXX_<br> Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. spousal consent is not required for Business Entity Loan - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153093 |  |  | Closed | 2026-04-01 13:13 | 2026-04-02 08:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated final XXXX with all section X REO information inputted - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Section X missing all required REO information. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender provided updated final XXXX with all section X REO information inputted - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153093 |  |  | Closed | 2026-04-01 13:14 | 2026-04-02 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided Final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender provided Final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153092 |  |  | Closed | 2026-04-01 10:45 | 2026-04-02 12:17 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business.<br> - Seller-XX/XX/XXXX _xXXXX_<br> Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Entity Formation Doc Indicator is Missing. Provide Confirmation of good standing must be dated within twelve months of the application submission date as well as the EIN confirmation as IRS document is from XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business.<br> - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Validation Resolved' Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX_XXXXX_<br> XXX XXXXX X XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153092 |  |  | Closed | 2026-03-31 03:11 | 2026-04-02 12:15 | Resolved | 1 - Information B A | Credit | Credit | Spousal Consent Missing | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX _xXXXX_<br> Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as it missing from file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153092 |  |  | Closed | 2026-03-31 03:02 | 2026-04-02 07:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated XXXX with all REO information inputted in section X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Provide updated XXXX REO property address as the address is not provided in section X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender provided updated XXXX with all REO information inputted in section X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153092 |  |  | Closed | 2026-03-31 02:49 | 2026-04-02 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender uploaded final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. Provide XXXX document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender uploaded final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153092 |  |  | Closed | 2026-03-31 04:22 | 2026-04-02 07:49 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender provided DSCR worksheet - DSCR calc matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-DSCR is calculated as below: Gross Rent $X,XXX / PITIA X,XXX.XX = X.XXX<br> PITIA: P&I $XXXX.XX + Taxes $XXX.XX + HOI $XXX.XX = $XXXX.XX<br>Provide lender DSCR calculations to determine if there is any difference in lender calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Lender provided DSCR worksheet - DSCR calc matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153091 |  |  | Closed | 2026-04-01 08:35 | 2026-04-02 12:22 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business.<br> - Seller-XX/XX/XXXX <br>Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date as well as the EIN confirmation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business.<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXX X XXXX.XXX_XXXXX_<br> XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153091 |  |  | Closed | 2026-04-01 14:21 | 2026-04-02 12:21 | Resolved | 1 - Information B A | Credit | Credit | Spousal Consent Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Spousal consent is not needed on business purpose loans - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Spousal consent is not needed on business purpose loans - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153091 |  |  | Closed | 2026-03-31 05:30 | 2026-04-02 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated XXXX with all REO information - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated XXXX REO property address as the address is not provided in section X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated XXXX with all REO information - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153091 |  |  | Closed | 2026-03-31 05:28 | 2026-04-02 07:33 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender uploaded DSCR worksheet - DSCR matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited DSCR is calculated as :DSCR = Rent $X,XXX / PITIA $X,XXX.XX = X.XXX. Provide lender DSCR calculations to determine if there is any difference in lender calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender uploaded DSCR worksheet - DSCR matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153094 |  |  | Closed | 2026-03-31 13:32 | 2026-04-01 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided updated declaration page with updated city name for subject property - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard declaration page in loan file has the wrong city name for the subject property (declaration page has XXXXX XXXXXXX, XX listed when XXX XXXXXXXXXX, XX should be listed per appraisal/title). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated declaration page with updated city name for subject property - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153094 |  |  | Closed | 2026-03-31 13:17 | 2026-04-01 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX with qualifying rate matching the Note rate. finding resolved. - 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. The qualifying Rate on the Final XXXX doesn't match the Note rate of X.XXX% - update required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated XXXX with qualifying rate matching the Note rate. finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155500 |  |  | Closed | 2026-03-31 07:53 | 2026-04-03 02:31 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History verified for XX Months from VOR & Credit report, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per GL XX.XX.XXXX page #XX, XX-month housing history required for primary residence. However VOR page #XXX-XXX shows only X months rent history and CBR page #XXX shows X months mortgage history. Housing history is short by X months. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX<br>| Resolved-Housing History verified for XX Months from VOR & Credit report, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155500 |  |  | Closed | 2026-03-31 08:25 | 2026-04-03 02:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. Hence provide fraud report as it is missing from file. - 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>| XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155500 |  |  | Closed | 2026-03-31 08:57 | 2026-03-31 09:08 | 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>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155508 |  |  | Closed | 2026-04-01 04:02 | 2026-04-02 12:28 | 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#'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#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s#XXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'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 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#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s#XXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155672 |  |  | Closed | 2026-04-06 12:33 | 2026-04-20 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document received with corrected verbiage. Confirmed resolved. - 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-X. Per the guidelines, the policy should include a Guaranteed Replacement Cost Endorsement. The policy provided only states "Replacement Cost Value." - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document received with corrected verbiage. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2151895 |  |  | Closed | 2026-04-03 13:32 | 2026-04-07 11:00 | Resolved | 1 - Information C A | Credit | Credit | Missing condo documentation. | Resolved-Page XXX HOA Questionnaire XX units however Page XX XXXX XX units. X spaces/units Commercial. <br> HOA questionnaire XX units, XX owner occupied. Commercial Space X,XXX square feet of total square footage XX,XXX. Guidelines allowable up to XX% Commercial Use as Non Warrantable, Maximum LTV XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the appraisal states there are XX units but also notates there are X commercial units. attached screenshot for reference. - Seller-XX/XX/XXXX <br>Open-Page XXX Condominium Homeowners Association Questionnaire project XX units however Page XX XXXX XX units. Please clarify, update XXXX or questionnaire. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. the appraisal states there are XX units but also notates there are X commercial units. attached screenshot for reference. - Seller-XX/XX/XXXX<br>| Resolved-Page XXX HOA Questionnaire XX units however Page XX XXXX XX units. X spaces/units Commercial. <br> HOA questionnaire XX units, XX owner occupied. Commercial Space X,XXX square feet of total square footage XX,XXX. Guidelines allowable up to XX% Commercial Use as Non Warrantable, Maximum LTV XX%. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.XXX |  |  | XX | Investment | Purchase | NA |  | N/A | N/A |
| XXXX | 2155671 |  |  | Closed | 2026-04-06 01:29 | 2026-04-14 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Evidence received. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property was paid off on X/XX/XX. Updated property profile has been uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide proof of document for XX months housing history for primary residence as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Property was paid off on X/XX/XX. Updated property profile has been uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Evidence received. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153393 |  |  | Closed | 2026-04-07 13:07 | 2026-04-13 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Received LOE from relative provided stating the borrower has lived rent free for XX years. The borrower has owned the subject property since XXXX. Required guideline maximum XX% LTV and XX months of reserves have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Missing required VOR/VOM for required housing history for the Borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Received LOE from relative provided stating the borrower has lived rent free for XX years. The borrower has owned the subject property since XXXX. Required guideline maximum XX% LTV and XX months of reserves have been met. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXX XXXX XXXX XXXXXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2153393 |  |  | Closed | 2026-04-06 01:09 | 2026-04-13 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Thank you for the hazard insurance documentation. Please provide the hazard insurance invoice reflecting the $XXX amount ($XX.XX monthly) per the settlement statement, as no amount is reflected in the provided insurance documentation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is Missing from loan file. - 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-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX XXXXXXXXXX_XXX XXXX XXXXXX XXX_X-XX-XXXX_XXXXXXXXXX.XXX_XXXXX_<br> XXXXX XXX XXXXXXXXXX_XXX XXXX XXXXXX XXX_X-XX-XXXX_XXXXXXXXX (X).XXX_XXXXX_<br> XXXXXX XXX .XXX_XXXXX_<br> XXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155509 |  |  | Closed | 2026-04-06 05:07 | 2026-04-09 03:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Per the GL 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> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2155506 |  |  | Closed | 2026-04-09 03:48 | 2026-04-13 04:41 | 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>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 GL 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-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2158234 |  |  | Closed | 2026-04-13 21:16 | 2026-04-21 00:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, Notary date is XX/XX/XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, but it is not the case. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Provide updated DOT document as the Notary date on page #XXX is XX/XX/XXXX which is after the closing/disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, but it is not the case. - Seller-XX/XX/XXXX<br>| Resolved-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, Notary date is XX/XX/XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2158234 |  |  | Closed | 2026-04-13 22:34 | 2026-04-20 04:41 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated HUDX or Settlement statement as the one in file is missing settlement agent sign. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2158234 |  |  | Closed | 2026-04-14 08:51 | 2026-04-20 04:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed Settlement statement, Updated & Condition Resolved - 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-Closing Doc is Missing. Closing Statement on pages #X-X is missing title agent signature and escrow collected for taxes of $XX.XX per month doesn't match tax documents in the loan file showing monthly payment of $XX.XX per month - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
| XXXX | 2158232 |  |  | Closed | 2026-04-14 04:27 | 2026-04-21 16:20 | Resolved | 1 - Information D 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Povide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158232 |  |  | Closed | 2026-04-14 15:18 | 2026-04-20 13:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Missing Final Closing Disclosure. The one provided has the disbursement date as X/X/XX and the signature/notary date is X/X/XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX - XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158232 |  |  | Closed | 2026-04-14 05:16 | 2026-04-20 13:47 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-X Insurance Policy Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or HO-X Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower had an HOI policy from X.XX.XX-X.XX.XX and also had a renewal policy starting X.XX.XXXX-X.XX.XXXX. No lapse in coverage occurred for the property. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX HOX insurance policy has effective date of XX/XX/XXXX which is after the notary date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower had an HOI policy from X.XX.XX-X.XX.XX and also had a renewal policy starting X.XX.XXXX-X.XX.XXXX. No lapse in coverage occurred for the property. - Seller-XX/XX/XXXX<br>| Resolved-HO-X Insurance Policy Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or HO-X Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX - X.XX.XX-X.XX.XX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158232 |  |  | Closed | 2026-04-14 14:48 | 2026-04-20 13:47 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present Hazard Insurance Policy Partially Provided Rent Loss Insurance is missing from the Policy. "Loss of Use" does not cover doesn't cover lost rent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXX - X.XX.XX-X.XX.XX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158231 |  |  | Closed | 2026-04-14 15:04 | 2026-04-20 10:27 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided updated screenshot of business entity - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date (print out in loan file is not dated and unable to determine it if meets guidelines) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated screenshot of business entity - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XX XXXXXXXXXXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX_XXXXX_<br> XXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158231 |  |  | Closed | 2026-04-14 01:53 | 2026-04-20 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided Final XXXX - finding resolved - 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. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided Final XXXX - finding resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158231 |  |  | Closed | 2026-04-14 02:50 | 2026-04-20 10:23 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Lender provided final executed HUD - finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated HUDX or Settlement statement as the in file is missing borrower signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided final executed HUD - finding resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXX - XXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158231 |  |  | Closed | 2026-04-14 14:44 | 2026-04-20 04:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested Signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Closing statement provided on pages #X-X is not signed/dated by the borrower or the title company, also the closing/funding date per the closing statement is X/X/XX and note is dated X/X/XX and all closing documents were signed/dated and notarized on X/X/XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - Seller-XX/XX/XXXX<br>| Resolved-Requested Signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158231 |  |  | Closed | 2026-04-14 03:20 | 2026-04-20 04:24 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lease was increased from $X,XXX to $X,XXX on the addendum to the lease starting on Xxx. XXXX (document attached) Lease matches appraisal calculated market rent of $X,XXX - Seller-XX/XX/XXXX <br>Open-DSCR is calculated as Rent $X,XXX/ PITIA $X,XXX.XX = X.XXX. Provide lender DSCR worksheet to determine if there is any variation in lender calculation as lender worksheet is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lease was increased from $X,XXX to $X,XXX on the addendum to the lease starting on Xxx. XXXX (document attached) Lease matches appraisal calculated market rent of $X,XXX - Seller-XX/XX/XXXX<br>| Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXX - XXXXXXXXX XXXX $X,XXX.XXX_XXXXX_<br> XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2155657 |  |  | Closed | 2026-04-15 04:41 | 2026-04-21 06:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-confirmed information on document provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Counter-Undiscounted rate is not showing on that doc - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see lock on page XXX of original package - Seller-XX/XX/XXXX <br>Open-Unable to verify Undiscounted Rate, Missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Please see lock on page XXX of original package - Seller-XX/XX/XXXX<br>| Resolved-confirmed information on document provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155657 |  |  | Closed | 2026-04-15 00:54 | 2026-04-17 00:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Final approval confirms XX month Business Bank Statements, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-please see page X of original package. Final approved income is full doc XX mo Business Bank Statements - XXXXX-XX/XX/XXXX <br>Open-As per loan approval borrower is qualified with Full doc program whereas borrower X income is qualified with XX months bank statements. Provide income documentation that supports the loan program. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Final approval confirms XX month Business Bank Statements, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155657 |  |  | Closed | 2026-04-15 00:52 | 2026-04-17 00:50 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Only XXXXXXXX XXXXXXXXXX #XXXX and XXXX #XXXX were used for Assets., Reserves meeting guideline requirement, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Please see pg XXX of the original package, the income worksheet. Only XXXXXXXX XXXXXXXXXX XXXX and XXXX X XXXX were used for Assets. XXXXXXX XXXXXX XX XXXXX x XXXX was used for full doc BS income. statement for XXXXXXXX XXXX are on page XX of the original package - XXXXX-XX/XX/XXXX <br>Open-As per file notes on page #XXX, IRA account #XXXX & #XXXX is being used for reserves but there is Account Statement provided for IRA #XXXX & Assets on Final XXXX from XXX #XXXX, #XXXX & Stocks #XXXX is not been provided with Account statement to verify the assets. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Only XXXXXXXX XXXXXXXXXX #XXXX and XXXX #XXXX were used for Assets., Reserves meeting guideline requirement, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2155657 |  |  | Closed | 2026-04-15 00:33 | 2026-04-21 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-\*\*The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.<br> - XXX XXXXXXXXX XXXXXXX-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 CFR XXXX.XX(a)(X)(i)) \*\*The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.<br>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 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 #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#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 |  | Resolved-\*\*The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.<br> - XXX XXXXXXXXX XXXXXXX-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 CFR XXXX.XX(a)(X)(i)) \*\*The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.<br>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 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 #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2158233 |  |  | Closed | 2026-04-15 01:05 | 2026-04-21 07:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX provided attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide final XXXX document as it is not included in the file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Final XXXX provided attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158233 |  |  | Closed | 2026-04-15 01:08 | 2026-04-21 07:11 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided final XXXX attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender provided final XXXX attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158233 |  |  | Closed | 2026-04-15 02:45 | 2026-04-20 03:49 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Requested updated hazard Insurance document provided, updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-HO-X Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present Provide updated HOX policy with the Rent Loss coverage amount, declaration page in loan file does not indicate there is rent loss covered which is required per guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested updated hazard Insurance document provided, updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-HO-X Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXX XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158233 |  |  | Closed | 2026-04-15 10:55 | 2026-04-20 03:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Correction: disbursement date was on X/XX/XXXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - XXXXXX-XX/XX/XXXX <br>Open-Closing Doc is Missing. Closing statement provided on pages #X-X is not signed/dated by the borrower or the title company, also the closing date per the closing statement is X/X/XX and funding date is X/X/XX - the note is dated X/X/XX and all closing documents were signed/dated and notarized on X/X/XX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Correction: disbursement date was on X/XX/XXXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXX XXX - XXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158233 |  |  | Closed | 2026-04-15 09:21 | 2026-04-20 03:49 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Provide Confirmation of good standing must be dated within twelve months of the application submission date (print out on page #XXX is not dated when it was printed therefore unable to determine if it meets guidelines or not)<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXX XX XXXXXXXXXXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX_XXXXX_<br> XXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158233 |  |  | Closed | 2026-04-15 02:26 | 2026-04-20 03:48 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-DSCR is calculated as Rent $X,XXX / PITIA $X,XXX.XX = X.XXX. Provide lender DSCR worksheet to determine if there is any variation in lender calculation as lender worksheet is not included in the file.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158296 |  |  | Closed | 2026-04-17 10:53 | 2026-04-20 13:35 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The application is missing from the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Application received. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXX XXXXXX XXX - XXXX XXX - XXXXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158296 |  |  | Closed | 2026-04-16 22:47 | 2026-04-17 10:50 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXXXXX Acknowledged - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXXXXX Acknowledged - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXX XX XXXXXXXXX XX XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | Investor Post-Close | No |
| XXXX | 2158297 |  |  | Closed | 2026-04-23 10:05 | 2026-04-23 10:07 | Resolved | 1 - Information A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Document Uploaded. Settlement Statement for the refi of XXXX XXXXXX XX was received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Document Uploaded. Settlement Statement for the refi of XXXX XXXXXX XX was received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX-X - XXXX XX XXXX XXXXXX XX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
| XXXX | 2158274 |  |  | Closed | 2026-04-22 22:33 | 2026-04-24 06:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approved to allow a Loan-to-Value (LTV) of XX%, in place of the program guideline maximum of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lender Exception attached for LTV, thank you. - XXXXX-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV Audited LTV XX% Exceeds Guideline LTV XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception approved to allow a Loan-to-Value (LTV) of XX%, in place of the program guideline maximum of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX - XXXXXX XXXXXXXXX XXXXXXX - XXX.XXX |  | X. XXX XXX. XXXXXXXX XXX XXX XX XX% XXXX XX XX XX%.<br> X. XXXX XXXX XXXXX. XXXX XXXXX XX XXX XXXX XX XX XXX.<br> X. XXXX XXXXXXXX. XXXXXXXX XXX XX XXXXXX XX XXXXXXXX XXXX XX XX XX XXXXXX. | XX | Primary Residence | Purchase | NA |  | Originator Post-Close | Yes |
| XXXX | 2158274 |  |  | Closed | 2026-04-23 00:43 | 2026-04-24 00:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-XXXX XXXX & XXX XXXX XXXX XXXX statement for Account XXXX XXXXXXX #XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find attached bank statements for XXXX & XXX XXXX (XXXX XXX XXXXXX). <br> Thank you. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Missing XXXX XXXX & XXX XXXX XXXX XXXX statement for Account XXXX XXXXXXX #XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-XXXX XXXX & XXX XXXX XXXX XXXX statement for Account XXXX XXXXXXX #XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX - XXXX & XXX XXXX XXXX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2158274 |  |  | Closed | 2026-04-22 23:15 | 2026-04-22 23:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - 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%).(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. 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 #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-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%).(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. 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 #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |
| XXXX | 2158274 |  |  | Closed | 2026-04-22 23:15 | 2026-04-22 23:31 | 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 XXXXXX 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 #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML 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 XXXXXX 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 #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA |  | N/A | N/A |

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## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 3. Selene 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** |
| 2127960 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137709 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122558 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 2122564 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.57 | 69.57 | XXXX | XXXX | -.0580 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2122579 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2122608 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2122594 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2122599 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.39 | 77.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137677 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2137679 | XXXX |  | 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 | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140098 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2133244 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2137678 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2140100 | XXXX |  | 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 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137682 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2137683 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.18 | 58.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2137704 | XXXX |  | 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 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140114 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143979 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2155503 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 2137706 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137702 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| 2137701 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| 2137689 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137708 | XXXX |  | 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 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143977 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137692 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137705 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.13 | 64.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 2137700 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.03 | 48.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137697 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2137694 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 49.09 | 49.09 | XXXX | XXXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143986 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.95 | 71.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137703 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 2140103 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 2137676 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.96 | 56.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137691 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2140011 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.57 | 73.57 | XXXX | XXXX | -.0605 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1019 | 85.0 | 0.15 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0605 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137693 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.0 | 35.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137685 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.21 | 72.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137695 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.52 | 64.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2151887 | XXXX |  | 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 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151854 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 83.42 | 83.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137686 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.51 | 74.51 | XXXX | XXXX | -.0605 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0605 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140109 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 2137688 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.18 | 52.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 2140104 | XXXX |  | 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 | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140097 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2140012 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143984 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 82.44 | 82.44 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2143983 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140096 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 72.99 | 72.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140106 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| 2137699 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2137698 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2151855 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2138595 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.07 | 74.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2144467 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2144468 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2144469 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140018 | XXXX |  | 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 | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143981 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 73.5 | 73.5 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140115 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2140015 | XXXX |  | 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 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143060 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143059 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140014 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140013 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2141204 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140101 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2140105 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| 2140099 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2140076 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140108 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.46 | 78.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140085 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143982 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2143985 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2143978 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 2140107 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140112 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2140113 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140116 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2151778 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143980 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2153392 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151718 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2151702 | XXXX |  | 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 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2154545 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2154544 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151776 | XXXX |  | 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 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151777 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151888 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151889 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151703 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 2151697 | XXXX |  | 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 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151715 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151891 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.54 | 47.54 | XXXX | XXXX | -.0574 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0574 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151890 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2154543 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155670 | XXXX |  | 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 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151893 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0481 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0481 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155497 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153090 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153093 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153092 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153091 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153095 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153094 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155500 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0350 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151894 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155508 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155672 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2151895 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155513 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.18 | 67.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155671 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153391 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2153393 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0915 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0915 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155509 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158229 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155517 | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 2155516 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.44 | 67.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2155506 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2158234 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 2158232 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158231 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.87 | 69.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155657 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158233 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158296 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0309 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0309 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158297 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1130 | 98.0 | 0.02 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158274 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 4. Selene MLS Report**

---

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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
| XXXX | 2127960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 782 | 796 | 756 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 756 | 773 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Full Doc | Investment | Refinance | Rate and Term | 29.03 | 50 | 9221.46 | 1929.84 | .00 | .00 | 11151.30 | Employed | Employed |  |  | 22.54 | 4.77 |  |  | 3 YRS | 5575.54 | 5575.76 | Taxes and Insurance | 63.76 | 66594.16 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 687.19 | 687.19 | 357.23 | 1044.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 8813.84 | 6901.04 | 2 | 40000 | 282 | 9 | 0.13204378559105967 | 3.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 745 | 760 | 745 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 15.57 | 46.84 | 17481.28 | .00 | .00 | .00 | 17481.28 | Employed |  |  |  | 3.61 |  |  |  | 2 YRS | 9292.33 | 8188.95 | Taxes and Insurance | 4.13 | 15761.82 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 3149.48 | 3149.48 | 667.33 | 3816.81 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 7126.16 | 2 | 76409 | 166 | 24 | 0.19378148017539074 | 6.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2122558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 769 | 773 | 769 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 2.96 | 35.67 | 12347.70 | .00 | .00 | .00 | 12347.70 | Employed |  |  |  |  |  |  |  | 2 YRS | 7943.22 | 4404.48 | Taxes and Insurance | 12.09 | 17721.14 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 1100.77 | 1100.77 | 364.71 | 1465.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 2212.15 | 1 | 275000 | 221 | 3 | 0.4233973579412416 | 39.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2122564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 747 | 723 | 747 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9044 | Taxes and Insurance | 42.74 | 81637.04 | XXXX | XXXX | 69.57 | 69.57 | 69.57 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 1350 | 1350.0 | 559.88 | 1909.88 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 81637.04 | 4819.80 | 4 | 66085 | 218 | 10 | 0.445530612244898 | 5.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2122579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 762 | 762 | 762 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 10.9 | 15.49 | 149118.58 | .00 | .00 | .00 | 149118.58 | Employed |  |  |  | 15.21 |  |  |  | 2 YRS | 126016.34 | 23102.24 | No Escrow | 14.44 | 60937.57 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 3031.73 | 3031.73 | 0 | 4221.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1425.00 | 2 | 34143 | 290 | 4 | 0.16519663530883422 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2122608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 666 | 653 | 687 | 666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 3.38 | 25.09 | 45845.75 | .00 | .00 | .00 | 45845.75 | Employed |  |  |  | 10.04 |  |  |  | 2 YRS | 34343.17 | 11502.58 | Taxes and Insurance | 12.43 | 29186.52 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 1672.39 | 1672.39 | 675.45 | 2347.84 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6292.10 | 3 | 289464 | 322 | 10 | 0.22706940874035988 | 4.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2122594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 671 | 647 | 671 | 672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7460 | Taxes and Insurance | 73.98 | 87321.13 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 970.16 | 970.16 | 210.24 | 1180.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 3 | 29550 | 146 | 9 | 0.43691318327974277 | 4.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2122599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 682 | 669 | 682 | 684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 433 | No Escrow | 3.4 | 13372.92 | XXXX | XXXX | 77.39 | 77.39 | 77.39 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 3073.51 | 3073.51 | 0 | 3931.77 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 5785.53 | 6 | 12100 | 145 | 3 | 0.7429595015576324 | 0.50 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 812 | 805 | 814 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 10.17 |  |  |  |  |  | 675 | Taxes and Insurance | 1319.6 | 10209576.89 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 5445.05 | 5445.05 | 2231.36 | 7736.88 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 3988.95 | 1 | 60000 | 371 | 6 | 0.05058233890214797 | 19 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 774 | 787 | 774 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 774 | 772 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 7.5 | 8.42 |  |  |  |  | 84161 | Taxes and Insurance | 7.22 | 29384.92 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2737.23 | 2737.23 | 1331.48 | 4068.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 32.10 | 2 | 40538 | 221 | 10 | 0.15711682743837085 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 759 | 740 | 759 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 744 | 734 | 781 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 1.96 | 46.78 | 16714.00 | .00 | .00 | .00 | 16714.00 | Employed | Employed |  |  | 5.5 | 5.5 |  |  | 2 YRS | 8895.19 | 7818.81 | No Escrow | 119.65 | 261684.05 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1884.5 | 1884.5 | 0 | 2187.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 261684.05 | 350.00 | 2 | 149244 | 291 | 5 | 0.2233786231884058 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2133244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 744 | 747 | 736 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 16 |  |  |  |  |  | 1671 | Taxes and Insurance | 199.86 | 375263.94 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1503.35 | 1503.35 | 374.29 | 1877.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 968.54 | 4 | 31900 | 287 | 9 | 0.21868503937007874 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 748 | 722 | 775 | 748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 40.01 | 41.34 | 9170.13 | .00 | .00 | .00 | 9170.13 | Not Employed |  |  |  | 4 |  |  |  | 1 YR | 5378.88 | 3791.25 | Taxes and Insurance | 28.69 | 105271.07 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 1933.89 | 1933.89 | 581.36 | 3669.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 15000 | 245 | 6 | 0.0738955087076077 |  | No | XXXX | Manual Underwriting | 0 | 7.519 | No | No | XXXX | XXXX | No |
| XXXX | 2140100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 788 | 786 | 788 | 806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 786 | 792 | 771 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6472 | Taxes and Insurance | 95.95 | 697865.07 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 5736.33 | 5736.33 | 1536.75 | 7273.08 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 245.95 | 9 | 40400 | 316 | 2 | 0.06482673267326733 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 787 | 791 | 787 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 6.92 |  |  |  |  |  | 12612 | Taxes and Insurance | 15.37 | 73993.67 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 3544.92 | 3544.92 | 997.83 | 4542.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 11298.38 | 3 | 20500 | 215 | 4 | 0.10940845070422535 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 663 | 663 | 663 | 662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 699 | 684 | 705 | 699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 30.49 | 34.48 | 6031.52 | 2798.18 | .00 | .00 | 8829.70 | Employed | Employed |  |  | 17.42 | 9.42 |  |  | 2 YRS | 5785.14 | 3044.56 | Taxes and Insurance | 11.17 | 30076.66 | XXXX | XXXX | 58.18 | 58.18 | 58.18 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 2264.94 | 2264.94 | 427.62 | 2692.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 30076.66 | .00 | 1 | 16401 | 251 | 3 | 0.9487956996657593 | 15 | No | XXXX | Manual Underwriting | 4500.0 | 7.864 | Yes | No | XXXX | XXXX | No |
| XXXX | 2137704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No |  | XXXX | 776 | 790 | 776 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1018 | No Escrow | 73.79 | 310795.08 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 3424.24 | 3424.24 | 0 | 4211.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 310795.08 | 877.69 | 1 | 30000 | 238 | 8 | 0.1281072298943948 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 781 | 781 | 784 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1894 | No Escrow | 81.97 | 94095.88 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 779.3 | 779.3 | 0 | 1147.93 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1411.88 | 15 | 37000 | 209 | 7 | 0.08590225301356277 | 4.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 631 | 647 | 631 | 615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.45 | 25.06 | 19750.88 | .00 | .00 | .00 | 19750.88 | Employed |  |  |  | 10.25 |  |  |  | 2 YRS | 14801.21 | 4949.67 | Taxes and Insurance | 11.32 | 132070.77 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 3425.25 | 3425.25 | 604.05 | 4829.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 4397 | 216 | 1 | 0 | 5.92 | No | XXXX | Manual Underwriting | 0 | 9.285 | Yes | No | XXXX | XXXX | No |
| XXXX | 2155503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 676 | 755 | 676 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 26.92 |  |  |  |  |  | 2141 | Taxes and Insurance | 107.71 | 293624.37 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2180 | 2180.0 | 545.95 | 2725.95 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 293624.37 | 6195.92 | 3 | 38908 | 275 | 4 | 0 | 5.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 736 | 729 | 804 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4415 | Taxes and Insurance | 8.45 | 24093.41 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 2277.34 | 2277.34 | 575.38 | 2852.72 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 852.73 | .00 | 2 | 41400 | 235 | 7 | 0.1442291401948327 | 11 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 751 | 751 | 759 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 753 | 752 | 759 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5909 | Taxes and Insurance | 87.02 | 153755.07 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1204.36 | 1204.36 | 562.55 | 1766.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 638.57 | 2 | 28300 | 244 | 2 | 0.5315194346289752 | 7.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 730 | 751 | 712 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 31295 | Taxes and Insurance | 16.07 | 44361.78 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 2506.23 | 2506.23 | 254.52 | 2760.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 363750.8 | 212.28 | 5 | 97214 | 239 | 37 | 0.06611491628614917 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 781 | 788 | 769 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2321 | No Escrow | 99.48 | 216953.22 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 1441.14 | 1441.14 | 0 | 2180.9 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 216953.22 | .00 | 2 | 25000 | 363 | 14 | 0.16439578264395782 | 35 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 749 | 728 | 752 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 519 | Taxes and Insurance | 11.47 | 35087.11 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 2195.5 | 2195.5 | 863.41 | 3058.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 35087.11 | .00 | 1 | 21859 | 243 | 14 | 0.0776182606899401 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 768 | 756 | 783 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1008 | Taxes and Insurance | 46.32 | 118197.58 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1818.03 | 1818.03 | 733.56 | 2551.59 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 5784.20 | 2 | 30000 | 480 | 5 | 0.6622056384742951 | 24.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 711 | 727 | 699 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9019 | Taxes and Insurance | 33.57 | 66344.87 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1449.84 | 1449.84 | 526.47 | 1976.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 2795.45 | 2 | 66761 | 89 | 6 | 0.41969283276450514 | 1.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 652 | 652 | 621 | 653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.96 | 29.8 | 23403.28 | .00 | .00 | .00 | 23403.28 | Employed |  |  |  | 2.83 |  |  |  | 2 YRS | 16428.97 | 6974.31 | Taxes and Insurance | 338.31 | 1500854.14 | XXXX | XXXX | 64.13 | 64.13 | 64.13 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 3827.05 | 3827.05 | 524.26 | 4436.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 54629.73 | 15820.00 | 1 | 85088 | 119 | 9 | 0.9549791694664695 | 0.58 | No | XXXX | Manual Underwriting | 0 | 9.270 | Yes | No | XXXX | XXXX | No |
| XXXX | 2137700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 705 | 710 | 685 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9603 | No Escrow | 100.77 | 513235.69 | XXXX | XXXX | 48.03 | 48.03 | 48.03 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 3380.21 | 3380.21 | 0 | 5093.03 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 513235.69 | 594.50 | 8 | 16597 | 239 | 10 | 0.23106471816283924 | 3.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No |  | XXXX | 705 | 690 | 744 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9613 | Taxes and Insurance | 28.38 | 63140.58 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1697.23 | 1697.23 | 224.69 | 2001.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 4 | 34928 | 95 | 9 | 0.14938209331651955 | 5.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 706 | 661 | 730 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 533 | No Escrow | 115.43 | 796349.68 | XXXX | XXXX | 49.09 | 49.09 | 49.09 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 5186.52 | 5186.52 | 0 | 6898.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 796349.68 | 245.95 | 6 | 25000 | 418 | 13 | 0.09448051948051948 | 25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 780 | 783 | 764 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2942 | Taxes and Insurance | 27.26 | 126864.94 | XXXX | XXXX | 71.95 | 71.95 | 71.95 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 4024.84 | 4024.84 | 628.4 | 4653.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 126864.94 | 1867.50 | 3 | 33951 | 302 | 6 | 0.5079974408189379 | 2.75 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 776 | 776 | 795 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2018 | Taxes and Insurance | 41.97 | 83889.61 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1697.5 | 1697.5 | 221.36 | 1998.86 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 4 | 27000 | 93 | 4 | 0.021943775100401606 | 8 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 723 | 719 | 723 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.04 | 40.41 | 12132.17 | .00 | .00 | .00 | 12132.17 | Employed |  |  |  | 13 |  |  |  | 2 YRS | 7229.02 | 4903.15 | Taxes and Insurance | 17.87 | 58623.77 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 2575.16 | 2575.16 | 461.99 | 3280.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 5250.00 | 2 | 78105 | 149 | 13 | 0.0183292140385566 | 6.5 | No | XXXX | Manual Underwriting | 5250.0 | 7.085 | No | No | XXXX | XXXX | No |
| XXXX | 2137676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 785 | 785 | 823 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 757 | 757 | 791 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 6.32 | 15.19 | 64958.00 | .00 | .00 | .00 | 64958.00 | Employed | Not Employed |  |  | 2.92 |  |  |  | 2 YRS | 55090.92 | 9867.08 | Taxes and Insurance | 19.98 | 66652.7 | XXXX | XXXX | 56.96 | 56.96 | 56.96 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 2881.4 | 2881.4 | 455.41 | 3336.81 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 4738.50 | 3 | 231000 | 439 | 8 | 0.03245454545454545 | 6.5 | No | XXXX | Manual Underwriting | 4738.5 | 6.792 | No | No | XXXX | XXXX | No |
| XXXX | 2137691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 744 | 758 | 737 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 11.92 | 26.63 | 36821.69 | .00 | .00 | .00 | 36821.69 | Employed |  |  |  | 8.83 |  |  |  | 3 YRS | 27016.58 | 9805.11 | Taxes and Insurance | 25.18 | 110537.59 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 2991.31 | 2991.31 | 1368.63 | 4389.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 110537.59 | 5900.52 | 2 | 174488 | 214 | 8 | 0.44784419823069654 | 5.83 | No | XXXX | Manual Underwriting | 14780.52 | 7.316 | No | No | XXXX | XXXX | No |
| XXXX | 2140011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 763 | 753 | 763 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8651.63 | Taxes and Insurance | 13.19 | 26208.12 | XXXX | XXXX | 73.57 | 73.57 | 73.57 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1595.46 | 1595.46 | 391.8 | 1987.26 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 26208.12 | 3465.00 | 1 | 28563 | 179 | 4 | 0.8126490066225166 | 2 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2137693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 660 | 673 | 660 | 621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 30 | Taxes and Insurance | 55.44 | 95776.53 | XXXX | XXXX | 35.0 | 35.0 | 35.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 1223.63 | 1223.63 | 503.92 | 1727.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 95776.53 | 3829.50 | 1 | 1400 | 383 | 1 | 0.025714285714285714 | 6 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 722 | 729 | 707 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 52197 | No Escrow | 9.68 | 21206.06 | XXXX | XXXX | 72.21 | 72.21 | 72.21 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1904.93 | 1904.93 | 0 | 2190.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 888.03 | 3 | 39438 | 195 | 6 | 0.7736986301369863 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 703 | 703 | 723 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5446 | Taxes and Insurance | 56.98 | 164323.14 | XXXX | XXXX | 64.52 | 64.52 | 64.52 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2046.53 | 2046.53 | 837.5 | 2884.03 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 2 | 28041 | 303 | 7 | 0.2913402818238709 | 11 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 714 | 693 | 758 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1907.45 | Taxes and Insurance | 24.16 | 44997.38 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 1147.65 | 1147.65 | 715.17 | 1862.81 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1927.78 | 9018.15 | 3 | 25690 | 88 | 12 | 0.007388724035608309 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 768 | 768 | 804 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Rate and Term | 35.86 | 47.71 | 8194.17 | .00 | .00 | .00 | 8194.17 | Employed |  |  |  | 2.25 |  |  |  | 3 YRS | 4284.56 | 3909.61 | Taxes and Insurance | 19.88 | 58431.03 | XXXX | XXXX | 83.42 | 83.42 | 83.42 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 2595.73 | 2595.73 | 342.9 | 2938.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 2002.14 | 1595.00 | 2 | 38600 | 258 | 3 | 0.0003004227377094912 |  | No | XXXX | Manual Underwriting | 1595.0 | 7.582 | No | No | XXXX | XXXX | No |
| XXXX | 2137686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 798 | 798 | 810 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 11.76 | 13.57 | 110288.22 | .00 | .00 | .00 | 110288.22 | Employed |  |  |  | 12.92 |  |  |  | Yes | 95321.73 | 14966.49 | No Escrow | 30.46 | 395061.27 | XXXX | XXXX | 74.51 | 74.51 | 74.51 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 11045.36 | 11045.36 | 67.75 | 12970.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 62007 | 254 | 4 | 0 | 2 | No | XXXX | Manual Underwriting | 22987.5 | 6.790 | No | No | XXXX | XXXX | No |
| XXXX | 2140109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 737 | 737 | 741 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 29052 | Taxes and Insurance | 165.09 | 1315454.39 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 6386.9 | 6386.9 | 1581.19 | 7968.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | Yes | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 7015.40 | 6 | 3900 | 162 | 6 | 0 | 6 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 699 | 726 | 699 | 681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1630 | Taxes and Insurance | 22.68 | 72539.43 | XXXX | XXXX | 52.18 | 52.18 | 52.18 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 1680.26 | 1680.26 | 895.79 | 3199.05 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 72539.43 | 8026.00 | 7 | 18949 | 94 | 4 | 0.8019323671497585 | 6.33 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 742 | 746 | 742 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 24511 | No Escrow | 121.1 | 564373.45 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 3793.76 | 3793.76 | 0.0 | 4660.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 564373.45 | 5745.47 | 7 | 50000 | 294 | 17 | 0.22820035282381904 | 1.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 733 | 732 | 757 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4761 | Taxes and Insurance | 4.52 | 9961.59 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1960.28 | 1960.28 | 241.59 | 2201.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 8589.58 | 2 | 70635 | 386 | 9 | 0.4490112130479103 | 12 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 746 | 746 | 708 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KS | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4133 | Taxes and Insurance | 45.09 | 97727.38 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1734.7 | 1734.7 | 432.82 | 2167.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 96537.38 | .00 | 1 | 62004 | 260 | 10 | 0.45098744769874477 | 0.91 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2143984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 702 | 708 | 639 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 8.9 | 9.75 | 171685.00 | .00 | .00 | .00 | 171685.00 | Employed |  |  |  | 29.83 |  |  |  | Yes | 154953.37 | 16731.63 | Taxes and Insurance | 12.7 | 193935.6 | XXXX | XXXX | 82.44 | 82.44 | 82.44 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 12253.67 | 12253.67 | 2943.4 | 15274.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 8313.53 | 1425.00 | 1 | 57454 | 292 | 6 | 0.31815899581589957 | 2 | No | XXXX | Manual Underwriting | 18325.0 | 8.019 | No | No | XXXX | XXXX | No |
| XXXX | 2143983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 791 | 791 | 783 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35795 | Taxes and Insurance | 103.06 | 166555.54 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1172.62 | 1172.62 | 348.44 | 1616.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 48 | 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 166555.54 | 4502.34 | 2 | 64105 | 295 | 8 | 0 | 17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 735 | 758 | 689 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7324 | Taxes and Insurance | 5.2 | 26575.01 | XXXX | XXXX | 72.99 | 72.99 | 72.99 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 3550.5 | 3550.5 | 1561 | 5111.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AH | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6960.11 | 2 | 7550 | 128 | 7 | 0.12121212121212122 | 0.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 727 | 733 | 727 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 31.44 | 38.59 | 8299.98 | .00 | .00 | .00 | 8299.98 | Employed |  |  |  | 5.33 |  |  |  | Yes | 5096.87 | 3203.11 | Taxes and Insurance | 19.34 | 50471.3 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 1882.81 | 1882.81 | 714.27 | 2609.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 99738.3 | 4069.08 | 1 | 20500 | 228 | 18 | 0.5500179211469534 | 8 | No | XXXX | Manual Underwriting | 6945.0 | 7.356 | No | No | XXXX | XXXX | No |
| XXXX | 2137699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 731 | 709 | 731 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 17.42 |  |  |  |  |  | 5686.61 | Taxes and Insurance | 34.65 | 83723.08 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 2145.6 | 2145.6 | 240.86 | 2416.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 83723.08 | 2576.78 | 4 | 81707 | 227 | 9 | 0.48131487889273356 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 731 | 709 | 731 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 17.42 |  |  |  |  |  | 10383 | Taxes and Insurance | 47.32 | 111555.52 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 2110.67 | 2110.67 | 186.57 | 2357.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 111555.52 | 2534.83 | 3 | 81707 | 228 | 13 | 0.37015776468352024 | 5.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 801 | 774 | 807 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 33.56 | 46.78 | 4439.90 | .00 | .00 | .00 | 4439.90 | Retired |  |  |  |  |  |  |  | 3 YRS | 2362.77 | 2077.13 | Taxes and Insurance | 99.09 | 147661.02 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 928.1 | 928.1 | 212.04 | 1490.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 6268.25 | 1 | 15400 | 472 | 5 | 0.11137420718816067 | 10 | No | XXXX | Manual Underwriting | 6268.25 | 7.538 | No | No | XXXX | XXXX | No |
| XXXX | 2138595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 645 | 635 | 645 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | No | false | XXXX | 644 | 644 | 640 | 651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 33.17 | 38.05 | 5642.00 | 4160.00 | .00 | .00 | 9802.00 | Employed | Employed |  |  | 5 |  |  |  | 2 YRS | 6072.81 | 3729.19 | Taxes and Insurance | 16.94 | 55067.2 | XXXX | XXXX | 74.07 | 74.07 | 74.07 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 2865.65 | 2865.65 | 307.53 | 3251.19 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 55067.2 | 9273.00 | 1 | 52592 | 39 | 5 | 0.2149270896303614 | 1.75 | No | XXXX | Manual Underwriting | 9273.0 | 8.025 | Yes | No | XXXX | XXXX | No |
| XXXX | 2144467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 777 | 667 | 783 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3613 | Taxes and Insurance | 164.81 | 106663.21 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 525.54 | 525.54 | 121.67 | 647.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6310.00 | 4 | 50820 | 283 | 8 | 0.052950819672131146 | 18.75 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2144468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 777 | 667 | 783 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3613 | Taxes and Insurance | 152.28 | 104478.24 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 525.54 | 525.54 | 176.7 | 702.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6310.00 | 4 | 169667 | 283 | 8 | 0.052950819672131146 | 18.66 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2144469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 777 | 667 | 783 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3613 | Taxes and Insurance | 162.4 | 104478.24 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 499.27 | 499.27 | 158.18 | 657.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6225.00 | 4 | 50820 | 283 | 7 | 0.5383333333333333 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 746 | 745 | 746 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 53325 | Taxes and Insurance | 14.27 | 67633.7 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 3304.19 | 3304.19 | 1523.38 | 4739.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 1 | 240000 | 145 | 5 | 0.9519626894675476 | 6 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2143981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 737 | 737 | 752 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 132923 | Taxes and Insurance | 9.24 | 41761.55 | XXXX | XXXX | 73.5 | 73.5 | 73.5 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 3553.52 | 3553.52 | 330.99 | 4519.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 2980.81 | 17909.58 | 5 | 74736 | 70 | 7 | 0.5310715817959804 | 11 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 737 | 737 | 760 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 733 | 733 | 729 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10769 | Taxes and Insurance | 11.99 | 25711.44 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1555.36 | 1555.36 | 589.17 | 2144.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 2 | 17096 | 522 | 8 | 0.18140391496527047 | 19.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 735 | 746 | 735 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OK | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14779 | Taxes and Insurance | 52.45 | 99314.64 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1560.48 | 1560.48 | 333 | 1893.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 99314.64 | .00 | 2 | 28793 | 205 | 6 | 0.8463271604938272 | 6.58 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2143060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 687 | 718 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 793 | 793 | 756 | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 15485 | Taxes and Insurance | 548.59 | 570517.92 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 667.44 | 667.44 | 372.54 | 1039.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 9 | 45000 | 238 | 5 | 0.4411792905081496 | 20 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2143059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 687 | 718 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 793 | 793 | 756 | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17575 | Taxes and Insurance | 95.01 | 130101.91 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 846.12 | 846.12 | 523.21 | 1369.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 10 | 45000 | 238 | 8 | 0.15471127900701565 | 20 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2140014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 687 | 718 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 793 | 793 | 756 | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17575 | Taxes and Insurance | 84.09 | 123117.76 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 951.23 | 951.23 | 512.83 | 1464.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 2505.00 | 10 | 45000 | 238 | 8 | 0.15471127900701565 | 20.00 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2140013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 687 | 718 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 793 | 793 | 756 | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 15485 | Taxes and Insurance | 519.06 | 568333.54 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 719.99 | 719.99 | 374.94 | 1094.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 9 | 45000 | 238 | 5 | 0.4411792905081496 | 20 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2141204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 761 | 748 | 769 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 761 | 740 | 769 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 | Not Employed | Not Employed |  |  |  |  |  |  | NA |  | 3239.01 | No Escrow | 201.53 | 645702.01 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 2653.99 | 2653.99 | 0 | 3204.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 9505.00 | 1 | 10000 | 291 | 2 | 0 | 0.75 | No | XXXX | Manual Underwriting | 0 | 7.143 | No | No | XXXX | XXXX | No |
| XXXX | 2140101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 765 | 789 | 765 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 29.23 | 41.34 | 14871.33 | .00 | .00 | .00 | 14871.33 | Employed |  |  |  | 6.58 |  |  |  | 3 YRS | 8722.93 | 6148.4 | Taxes and Insurance | 6.4 | 27823.62 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 3148.81 | 3148.81 | 1197.59 | 4346.4 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AH | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1544.81 | 7269.72 | 1 | 36988 | 115 | 6 | 0.29968125729794554 | 3.5 | No | XXXX | Manual Underwriting | 20897.35 | 7.793 | Yes | No | XXXX | XXXX | No |
| XXXX | 2140105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 754 | 754 | 735 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4235 | Taxes and Insurance | 53.92 | 69101.34 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 1023.95 | 1023.95 | 257.55 | 1281.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | Yes | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 69101.34 | 4060.00 | 2 | 28894 | 242 | 11 | 0.07666092943201377 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 672 | 672 | 649 | 694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 14.55 | 14.92 | 61852.76 | .00 | .00 | .00 | 61852.76 | Employed |  |  |  | 2.67 |  |  |  | 2 YRS | 52625.51 | 9227.25 | Taxes and Insurance | 7.02 | 63197 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 8068.85 | 8068.85 | 930.4 | 8999.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 11701 | 149 | 8 | 0.21537909284377324 | 1.42 | No | XXXX | Manual Underwriting | 0 | 7.656 | No | No | XXXX | XXXX | No |
| XXXX | 2140076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 793 | 793 | 820 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 737 | 728 | 795 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21 | 29.11 | 28754.52 | .00 | .00 | .00 | 28754.52 | Employed | Not Employed |  |  | 4.67 |  |  |  | NA | 20384.31 | 8370.21 | Taxes and Insurance | 12.11 | 73115.73 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 5137.18 | 5137.18 | 900.04 | 6037.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 14132.50 | 2 | 24000 | 206 | 3 | 0.024665391969407265 | 14.92 | No | XXXX | Manual Underwriting | 14132.5 | 7.082 | No | No | XXXX | XXXX | No |
| XXXX | 2140108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 763 | 778 | 763 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 728 | 728 | 758 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 41.94 | 47.34 | 15953.24 | 5312.08 | .00 | .00 | 21265.32 | Employed | Employed |  |  | 27.67 | 0.83 |  |  | 3 YRS | 11198.34 | 10066.98 | No Escrow | 69.85 | 623028.85 | XXXX | XXXX | 78.46 | 78.46 | 78.46 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 7804.1 | 7804.1 | 0 | 8919.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 222271.66 | 1595.00 | 1 | 18100 | 382 | 10 | 0.20854586129753916 | 1 | No | XXXX | Manual Underwriting | 0 | 7.286 | No | No | XXXX | XXXX | No |
| XXXX | 2140085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 662 | 662 | 683 | 655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 826 | Taxes and Insurance | 8.68 | 23814.91 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 1979.09 | 1979.09 | 763.27 | 2742.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 12565.3 | 15962.50 | 1 | 7371 | 40 | 14 | 0.48977741137675185 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 731 | 735 | 722 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4717 | Taxes and Insurance | 28.75 | 45320.81 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1339.02 | 1339.02 | 237.15 | 1576.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 45320.81 | 10003.01 | 2 | 34233 | 284 | 20 | 0.35590100541376646 | 24.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 765 | 809 | 765 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17552 | Taxes and Insurance | 41.77 | 93414.78 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1739.06 | 1739.06 | 497.5 | 2236.56 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 93414.78 | 4729.35 | 5 | 7944 | 250 | 5 | 0.8779099844800827 | 19 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 702 | 703 | 702 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Second Home | Refinance | Cash Out - Other | 2.33 | 15.38 | 71344.07 | .00 | .00 | .00 | 71344.07 | Employed |  |  |  | 11.33 |  |  |  | Yes | 60372.41 | 10971.66 | Taxes and Insurance | 10.73 | 27300.8 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 1991.91 | 1991.91 | 553.56 | 2545.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 27300.8 | .00 | 2 | 43319 | 199 | 12 | 0.38898625528827946 | 10.25 | No | XXXX | Manual Underwriting | 5768.0 | 7.405 | No | No | XXXX | XXXX | No |
| XXXX | 2140107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 748 | 707 | 748 | 770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9570.41 | Taxes and Insurance | 7.1 | 22391.64 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 2728.65 | 2728.65 | 400.27 | 3154.92 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 14537.64 | 4000.00 | 3 | 39400 | 218 | 20 | 0.6081039755351682 | 0.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 804 | 783 | 804 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 599 | No Escrow | 23.91 | 54219.66 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 1777.69 | 1777.69 | 0 | 2268.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 2667.83 | 1 | 17023 | 334 | 2 | 0.031011235955056178 | 36 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 680 | 680 | 649 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 18203 | Taxes and Insurance | 92.37 | 185557.57 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 1402.38 | 1402.38 | 606.41 | 2008.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 185557.57 | 4547.27 | 8 | 35800 | 145 | 20 | 0.6127519289221417 | 0.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 785 | 785 | 810 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4704 | Taxes and Insurance | 27.65 | 35428.73 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 976.76 | 976.76 | 304.55 | 1281.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 721.20 | 3 | 100000 | 308 | 9 | 0.19335679480238224 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 803 | 806 | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 154 | Taxes and Insurance | 19.77 | 39253.01 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 1592.81 | 1592.81 | 392.75 | 1985.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 2520.00 | 2 | 6900 | 101 | 4 | 0.0022818791946308723 | 0.58 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2143980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 689 | 713 | 689 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 104.55 | 265400.54 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1691.67 | 1691.67 | 621.81 | 2538.47 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 1 | 2000 | 148 | 1 | 0 | 0.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2153392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 763 | 750 | 774 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 802 | Taxes and Insurance | 18.52 | 30431.18 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1458.71 | 1458.71 | 575.79 | 2034.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 5122.00 | 3 | 20000 | 288 | 4 | 0.00028 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 623 | 633 | 623 | 614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 24 Month Bank Statement | Primary Residence | Purchase | NA | 12.4 | 21.48 | 42229.25 | .00 | .00 | .00 | 42229.25 | Employed |  |  |  | 5.33 |  |  |  | 3 YRS | 33160.2 | 9069.05 | Taxes and Insurance | 8.28 | 43376.87 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 4041.88 | 4041.88 | 1121.42 | 5238.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | .00 | 1 | 40965 | 112 | 8 | 0 | 2.25 | No | XXXX | Manual Underwriting | 13970.0 | 9.261 | Yes | No | XXXX | XXXX | No |
| XXXX | 2151702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 791 | 791 | 795 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 504 | No Escrow | 37.6 | 81613.64 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1767.58 | 1767.58 | 0 | 2170.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 4500.00 | 2 | 12500 | 236 | 20 | 0.022848122299767366 | 13.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2154545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 771 | 771 | 769 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OK | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 97 | Taxes and Insurance | 169.49 | 132595.7 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 655.06 | 655.06 | 127.73 | 782.34 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 26396.81 | .00 | 6 | 13000 | 102 | 4 | 0.07135338345864661 | 2.00 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2154544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 771 | 771 | 769 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OK | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 97 | Taxes and Insurance | 18.37 | 19174.3 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 842.22 | 842.22 | 201.49 | 1043.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 19174.3 | .00 | 4 | 2803 | 102 | 4 | 0.44533083059596434 | 3.00 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2151776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 760 | 771 | 760 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 1.85 |  |  |  |  |  | 1559 | Taxes and Insurance | 89.29 | 73946.87 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 615.87 | 615.87 | 212.34 | 828.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 5858.56 | .00 | 2 | 30000 | 167 | 14 | 0.17625072212593876 | 5.83 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2151777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 756 | 758 | 756 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 940 | Taxes and Insurance | 128.53 | 99800.96 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 690.22 | 690.22 | 86.25 | 776.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 99800.96 | .00 | 1 | 44908 | 154 | 2 | 0 | 2.67 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2151888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 707 | 689 | 733 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4636 | Taxes and Insurance | 10.04 | 14064.18 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 875.61 | 875.61 | 510.14 | 1400.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 10592.25 | 1 | 22050 | 286 | 13 | 0.5171173317450863 | 18 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 742 | 746 | 730 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5167 | Taxes and Insurance | 40.24 | 82140.2 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 1137.85 | 1137.85 | 974.62 | 2112.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 7526.00 | 2 | 29000 | 212 | 9 | 0.040061103964448605 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 733 | 754 | 733 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 758 | 792 | 758 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 23.07 | 49.96 | 29083.00 | -177.67 | .00 | .00 | 28905.33 | Employed | Employed |  |  | 0.83 | 5.83 |  |  | NA | 14463.93 | 14441.4 | No Escrow | 115.93 | 773043.82 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 5114.87 | 5114.87 | 0 | 6668.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 6800.14 | 4 | 55548 | 249 | 9 | 0.054635533253413394 | 1.17 | No | XXXX | Manual Underwriting | 18507.0 | 7.268 | No | No | XXXX | XXXX | No |
| XXXX | 2151697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 715 | 702 | 728 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2464 | Taxes and Insurance | 21.91 | 79833.84 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 2564.13 | 2564.13 | 1079.19 | 3643.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 79833.84 | 5791.15 | 2 | 16000 | 197 | 2 | 0.8158947368421052 | 3.92 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 627 | 627 | 609 | 639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 25.63 | 43.16 | 11398.52 | .00 | .00 | .00 | 11398.52 | Employed |  |  |  | 6.83 |  |  |  | 2 YRS | 6479.23 | 4919.29 | Taxes and Insurance | 28.66 | 83716.8 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 2386.93 | 2386.93 | 534.56 | 2921.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 69048 | 115 | 6 | 0.6364833717484359 | 1.33 | No | XXXX | Manual Underwriting | 0 | 9.208 | Yes | No | XXXX | XXXX | No |
| XXXX | 2151891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 740 | 732 | 740 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1855 | Taxes and Insurance | 100.67 | 264601.33 | XXXX | XXXX | 47.54 | 47.54 | 47.54 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1721.88 | 1721.88 | 987.34 | 2709.22 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 264601.33 | 8195.00 | 1 | 36100 | 390 | 13 | 0.41048483401003105 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 758 | 796 | 745 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 668 | 661 | 668 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7662.26 | Taxes and Insurance | 20.91 | 38194.58 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 1339.36 | 1339.36 | 538.42 | 1877.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 38194.58 | 5982.95 | 2 | 5595 | 230 | 2 | 0.38664957602050876 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2154543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 773 | 758 | 773 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 277 | Taxes and Insurance | 93.78 | 96179.51 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 672.33 | 672.33 | 118.31 | 1025.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 96179.51 | .00 | 1 | 441572 | 223 | 8 | 0.0589463989079127 | 8 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 715 | 724 | 715 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2472 | Taxes and Insurance | 66.29 | 166642.98 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 1615.19 | 1615.19 | 898.68 | 2513.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 166642.98 | .00 | 1 | 31854 | 183 | 17 | 0.20566902876198417 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2151893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 783 | 799 | 769 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 991 | Taxes and Insurance | 129.01 | 237286.92 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1671.56 | 1671.56 | 215 | 1886.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 233466.82 | .00 | 1 | 20133 | 128 | 3 | 0.04194690265486726 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 713 | 729 | 691 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 45401 | Taxes and Insurance | 3.39 | 11227.77 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 2926.74 | 2926.74 | 386.67 | 3313.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 12 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 11227.77 | 2665.39 | 6 | 115808 | 125 | 7 | 0.0049350649350649355 | 0.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2153090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 794 | 794 | 796 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 630 | No Escrow | 13.43 | 20730.68 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 936.33 | 936.33 | 0 | 1543.56 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 20730.68 | 3525.00 | 1 | 37100 | 368 | 2 | 0.038210702341137125 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 794 | 794 | 796 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.08 |  |  |  |  |  | 670 | No Escrow | 19.39 | 29539.64 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 916.41 | 916.41 | 0 | 1523.64 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 29539.64 | 3450.00 | 1 | 37100 | 368 | 3 | 0.038210702341137125 | 2.17 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 794 | 794 | 796 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.08 |  |  |  |  |  | 670 | No Escrow | 108.24 | 183003.09 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 1035.94 | 1035.94 | 0 | 1690.64 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 183003.09 | 3900.00 | 2 | 22700 | 368 | 2 | 0.10066079295154184 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 794 | 794 | 796 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.08 |  |  |  |  |  | 670 | No Escrow | 255.17 | 436490.63 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 1055.86 | 1055.86 | 0 | 1710.56 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 186653.45 | 3975.00 | 2 | 22700 | 368 | 2 | 0.10066079295154184 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 722 | 722 | 724 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.17 |  |  |  |  |  | 13688 | Taxes and Insurance | 87.9 | 92515.18 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 707.95 | 707.95 | 344.54 | 1052.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 92515.18 | .00 | 1 | 29910 | 256 | 11 | 0.2736264740835543 | 20 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 755 | 755 | 753 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 1.92 |  |  |  |  |  | 2457 | Taxes and Insurance | 97.09 | 68888.22 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 535.61 | 535.61 | 173.91 | 709.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 68888.22 | .00 | 2 | 24416 | 443 | 5 | 0.2712873563218391 | 16 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 751 | 760 | 751 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.05 | 15.84 | 35844.00 | .00 | .00 | .00 | 35844.00 | Employed |  |  |  | 3.08 |  |  |  | 2 YRS | 30167.63 | 5676.37 | Taxes and Insurance | 6.09 | 17582.43 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | 2346.34 | 2346.34 | 539.04 | 2885.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 2 | 28000 | 90 | 6 | 0.05821182943603852 | 0.5 | No | XXXX | Manual Underwriting | 4512.0 | 8.571 | Yes | No | XXXX | XXXX | No |
| XXXX | 2151894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 792 | 792 | 792 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35 | Taxes and Insurance | 8.09 | 7448.24 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.0 | 7.0 | 773.41 | 773.41 | 195.62 | 969.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 5067.50 | 12 | 20000 | 321 | 2 | 0.009138461538461538 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes |  | XXXX | 765 | 783 | 744 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 33.28 | 39.42 | 17145.94 | .00 | .00 | .00 | 17145.94 | Employed |  |  |  | 2 |  |  |  | 3 YRS | 10387.62 | 6758.32 | Taxes and Insurance | 6.65 | 37968.54 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 4696.78 | 4696.78 | 1009.54 | 5706.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 19208.96 | 1 | 39333 | 97 | 6 | 0.09364275668073137 | 3.58 | No | XXXX | Manual Underwriting | 29536.46 | 7.574 | Yes | No | XXXX | XXXX | No |
| XXXX | 2155672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 711 | 711 | 705 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 0.83 |  |  |  |  |  | 8865 | Taxes and Insurance | 60.07 | 65162.29 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.625 | 8.625 | 787.51 | 787.51 | 297.18 | 1084.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 65162.29 | 715.00 | 11 | 38559 | 346 | 21 | 0.34922735823703305 | 21 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2151895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 752 | 759 | 739 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 83.83 | 183604.72 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1174.26 | 1174.26 | 461.91 | 2190.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 3575.00 | 2 | 16900 | 158 | 11 | 0.12181732708551325 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 712 | 725 | 706 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1128 | Taxes | 20.98 | 41948.89 | XXXX | XXXX | 67.18 | 67.18 | 67.18 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.0 | 7.0 | 1653.75 | 1653.75 | 196.15 | 1999.9 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 41948.89 | 3257.42 | 2 | 24500 | 240 | 11 | 0.32279448621553886 | 0.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 712 | 735 | 697 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 12.17 |  |  |  |  |  | 2835 | Taxes and Insurance | 85.73 | 65159.91 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 537 | 537.0 | 223.05 | 760.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 65159.91 | 5990.00 | 2 | 47969 | 174 | 12 | 0.12302503106692704 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 700 | 698 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 16.26 | 31866.97 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 1215.7 | 1215.7 | 675.56 | 1959.84 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1542.85 | 1852.50 | 4 | 8210 | 467 | 3 | 0.029696969696969697 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2153393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 703 | 703 | 689 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 396 | Taxes and Insurance | 35.6 | 162455.5 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 3177.5 | 3177.5 | 1093.22 | 4694.41 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 98183.93 | 4920.00 | 1 | 16000 | 225 | 19 | 0.12738693467336684 | 20.58 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 710 | 720 | 702 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2181 | Taxes and Insurance | 44.52 | 80292.17 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 1373.96 | 1373.96 | 412.08 | 1803.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 80292.17 | .00 | 1 | 38864 | 258 | 5 | 0.7836829268292683 | 1.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 756 | 758 | 756 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 6 |  |  |  |  |  | 5245 | Taxes and Insurance | 92.1 | 54735.45 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 513.56 | 513.56 | 80.76 | 594.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 72376.45 | .00 | 1 | 44980 | 154 | 2 | 0 | 4 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 675 | 675 | 668 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 22.17 |  |  |  |  |  | 2037 | No Escrow | 44.48 | 60651.87 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 967.16 | 967.16 | 0 | 1363.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 2368.65 | 1 | 38263 | 139 | 11 | 0.14310439444467896 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 675 | 675 | 668 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 22.17 |  |  |  |  |  | 1943 | No Escrow | 28.67 | 45185.78 | XXXX | XXXX | 67.44 | 67.44 | 67.44 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1026.3 | 1026.3 | 0 | 1575.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 58.68 | 2076.05 | 1 | 38263 | 139 | 11 | 0.14310439444467896 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 751 | 751 | 792 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 784 | 770 | 784 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 5.58 | 53.42 |  |  |  |  | 1834.37 | No Escrow | 86 | 192305.94 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1396.76 | 1396.76 | 0 | 2236.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 192305.94 | 8793.96 | 1 | 188500 | 265 | 9 | 0.03516069692556225 | 31 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 745 | 768 | 745 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 0.58 |  |  |  |  |  | 7429 | Taxes and Insurance | 107.46 | 103891.62 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 739.4 | 739.4 | 220.54 | 966.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 103864.22 | 3275.00 | 2 | 80639 | 120 | 4 | 0.29356666666666664 | 3.5 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 687 | 677 | 702 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 709 | 680 | 709 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 26149 | Taxes and Insurance | 30.96 | 129229.05 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2930.97 | 2930.97 | 274.47 | 4173.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 2000.0 | 13736.25 | 2 | 22500 | 247 | 3 | 0.46063944909001475 | 10 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 687 | 677 | 702 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 709 | 680 | 709 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 5 |  |  |  |  |  | 22049 | Taxes and Insurance | 9.95 | 41597.18 | XXXX | XXXX | 69.87 | 69.87 | 69.87 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.95 | 6.95 | 3468.61 | 3468.61 | 354.77 | 4180.38 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 2 | 22500 | 247 | 2 | 0.46063944909001475 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 802 | 802 | 803 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 748 | 755 | 748 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 27.65 | 33.01 | .00 | 8100.00 | .00 | .00 | 8100.00 | Employed | Employed |  |  | 4.17 | 4.17 |  |  | NA | 5426.07 | 2673.93 | Taxes and Insurance | 12.37 | 27717.05 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 2031.26 | 2031.26 | 208.67 | 2239.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 12060.00 | 1 | 23000 | 189 | 3 | 0.12779661016949154 | 7.33 | No | XXXX | Manual Underwriting | 12060.0 | 7.605 | Yes | No | XXXX | XXXX | No |
| XXXX | 2158233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 687 | 677 | 702 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 709 | 680 | 709 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 22049 | Taxes and Insurance | 122.75 | 350235.02 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2350.1 | 2350.1 | 203.17 | 2853.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 2 | 22500 | 247 | 2 | 0.46063944909001475 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 765 | 765 | 761 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2537 | Taxes and Insurance | 81.39 | 195776.37 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1727.81 | 1727.81 | 892.75 | 2620.55 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 2390.76 | 4365.00 | 3 | 51602 | 128 | 5 | 0.07476056338028168 | 2 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 717 | 717 | 738 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 19087 | Taxes and Insurance | 209.05 | 18092.96 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 595.71 | 595.71 | 251.38 | 847.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6066.43 | 8 | 151083 | 153 | 6 | 0.7902153846153847 | 2.83 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 737 | 737 | 749 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 21.25 | 37.09 | 21699.00 | .00 | .00 | .00 | 21699.00 | Employed |  |  |  | 13.83 |  |  |  | NA | 13650.87 | 8048.13 | Taxes and Insurance | 20.14 | 92833.37 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 3917.64 | 3917.64 | 692.49 | 4610.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 9727.50 | 2 | 23600 | 258 | 9 | 0.0005633802816901409 | 2.5 | No | XXXX | Manual Underwriting | 9727.5 | 7.909 | Yes | No | XXXX | XXXX | No |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 5. Selene Supplemental Data Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 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 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **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** | **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** |
| 2127960 | XXXX | XXXX | 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% | $687.19 | No |  | $2560.80 | $213.40 | $1725.96 | $143.83 | $0.00 | $0.00 | $0.00 | $1044.42 | $5575.54 | N/A | XXXX |  | $0.00 | XXXX |  | 59.37% | 50.00% | 50.00% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 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 | 271 | 34 | Work Number | Yes | 57 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 57780.32 | 55.3 | 66594.16 | 63.8 | No | 85 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2137709 | XXXX | XXXX | 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% | $3149.48 | No |  | $2449.92 | $204.16 | $5558.04 | $463.17 | $0.00 | $0.00 | $0.00 | $3816.81 | $9292.33 | N/A | XXXX |  | $0.00 | XXXX |  | 69.90% | 46.84% | 46.84% | Yes |  |  |  |  |  |  |  | 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 |  |  |  | 98.25% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Investment Income, Subject Property Net Rental Income(Loss) if NOO - 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15761.82 | 4.1 | 15761.82 | 4.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2122558 | XXXX | XXXX | 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% | $1100.77 | No |  | $3234.48 | $269.54 | $1142.04 | $95.17 | $0.00 | $0.00 | $0.00 | $1465.48 | $7943.22 | N/A | XXXX |  | $0.00 | XXXX |  | 38.80% | 35.67% | 35.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 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 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS 1099 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17721.14 | 12.1 | 17721.14 | 12.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2122564 | XXXX | XXXX | 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 | 6.750% | 6.750% | $1350.00 | No |  | $4801.08 | $400.09 | $1917.48 | $159.79 | $0.00 | $0.00 | $0.00 | $1909.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.047 | 1.047 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 81637.04 | 42.7 | No | 69.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2122579 | XXXX | XXXX | 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% | $3031.73 | No |  | $11720.88 | $976.74 | $2556.72 | $213.06 | $0.00 | $0.00 | $0.00 | $4221.53 | $126016.34 | N/A | XXXX |  | $0.00 | XXXX |  | 19.48% | 15.49% | 15.49% | Yes |  |  |  |  |  |  |  | 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 - SESCorp, Subject Property Net Rental Income(Loss) if NOO, 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 60937.57 | 14.4 | 60937.57 | 14.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2122608 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1672.39 | No |  | $7477.80 | $623.15 | $627.60 | $52.30 | $0.00 | $0.00 | $0.00 | $2347.84 | $34343.17 | N/A | XXXX |  | $0.00 | XXXX |  | 30.21% | 25.09% | 25.09% | Yes |  |  |  |  |  |  |  | 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 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29186.52 | 12.4 | 29186.52 | 12.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2122594 | XXXX | XXXX | 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% | $970.16 | No |  | $1311.48 | $109.29 | $1211.40 | $100.95 | $0.00 | $0.00 | $0.00 | $1180.40 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.271 | 1.271 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 87321.13 | 74 | 87321.13 | 74 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2122599 | XXXX | XXXX | 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% | $3073.51 | No |  | $5594.16 | $466.18 | $4704.96 | $392.08 | $0.00 | $0.00 | $0.00 | $3931.77 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.424 | 1.13 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13372.92 | 3.4 | 13372.92 | 3.4 | No | 77.39 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137677 | XXXX | XXXX | 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% | $5445.05 | No |  | $23775.60 | $1981.30 | $3000.36 | $250.03 | $726.00 | $60.50 | $0.00 | $7736.88 |  | N/A | XXXX | OR | $60.50 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.776 | 0.776 | 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 | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 10209576.89 | 1319.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137679 | XXXX | XXXX | 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 | 7.250% | 7.250% | $2737.23 | No |  | $6648.84 | $554.07 | $9329.04 | $777.42 | $0.00 | $0.00 | $0.00 | $4068.72 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.204 | 1.204 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement 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 | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29384.92 | 7.2 | 29384.92 | 7.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2140098 | XXXX | XXXX | 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% | $1884.50 | No |  | $2363.28 | $196.94 | $893.04 | $74.42 | $375.00 | $31.25 | $0.00 | $2187.11 | $8895.19 | N/A | XXXX | ID | $31.25 | XXXX | Annually | 35.29% | 46.78% | 46.78% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 261684.05 | 119.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2133244 | XXXX | XXXX | 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% | $1503.35 | No |  | $2820.00 | $235.00 | $1671.36 | $139.28 | $0.00 | $0.00 | $0.00 | $1877.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.025 | 1.025 | 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 | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 375263.94 | 199.9 | 375263.94 | 199.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137678 | XXXX | XXXX | 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 | 01/07/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.519% |  | 7.375% | 7.375% | $1933.89 | No |  | $5672.52 | $472.71 | $1303.80 | $108.65 | $13848.00 | $1154.00 | $0.00 | $3669.25 | $5378.88 | Yes | XXXX | FL | $1154.00 | XXXX | Monthly | 41.34% | 41.34% | 41.34% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 39.68% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability - 1 YR 1099 Verified, 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105271.07 | 28.7 | 105271.07 | 28.7 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140100 | XXXX | XXXX | 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% | $5736.33 | No |  | $14102.04 | $1175.17 | $4338.96 | $361.58 | $0.00 | $0.00 | $0.00 | $7273.08 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.155 | 1.142 | 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 | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 697865.07 | 96 | 697865.07 | 96 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2137682 | XXXX | XXXX | 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% | $3544.92 | No |  | $9510.96 | $792.58 | $2463.00 | $205.25 | $0.00 | $0.00 | $0.00 | $4542.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.035 | 1.035 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 73993.67 | 16.3 | 69811.05 | 15.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137683 | XXXX | XXXX | 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 | 4500 | 01/07/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.864% |  | 7.625% | 7.625% | $2264.94 | No |  | $2912.28 | $242.69 | $2219.16 | $184.93 | $0.00 | $0.00 | $0.00 | $2692.56 | $5785.14 | N/A | XXXX |  | $0.00 | XXXX |  | 34.48% | 34.48% | 34.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 30076.66 | 11.2 | No | 58.18 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2137704 | XXXX | XXXX | 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% | $3424.24 | No |  | $7490.16 | $624.18 | $1962.00 | $163.50 | $0.00 | $0.00 | $0.00 | $4211.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.068 | 1.068 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CT | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 310795.08 | 73.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140114 | XXXX | XXXX | 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% | $779.30 | No |  | $3446.52 | $287.21 | $977.04 | $81.42 | $0.00 | $0.00 | $0.00 | $1147.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.154 | 1.154 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 94095.88 | 82 | 94095.88 | 82 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143979 | XXXX | XXXX | 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 | 01/23/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 9.285% |  | 8.875% | 8.875% | $3425.25 | No |  | $11727.24 | $977.27 | $5125.80 | $427.15 | $0.00 | $0.00 | $0.00 | $4829.67 | $14801.21 | N/A | XXXX |  | $0.00 | XXXX |  | 25.06% | 25.06% | 25.06% | 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 - 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 631 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 132070.77 | 27.3 | 54669.27 | 11.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155503 | XXXX | XXXX | 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% | $2180.00 | No |  | $3822.36 | $318.53 | $2729.04 | $227.42 | $0.00 | $0.00 | $0.00 | $2725.95 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.027 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 293624.37 | 107.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2137706 | XXXX | XXXX | 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 | 6.875% | 6.875% | $2277.34 | No |  | $3874.56 | $322.88 | $3030.00 | $252.50 | $0.00 | $0.00 | $0.00 | $2852.72 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24093.41 | 8.5 | 24093.41 | 8.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137702 | XXXX | XXXX | 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% | $1204.36 | No |  | $4208.52 | $350.71 | $2542.08 | $211.84 | $0.00 | $0.00 | $0.00 | $1766.91 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.302 | 1.302 | 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 153755.07 | 87 | 153755.07 | 87 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2137701 | XXXX | XXXX | 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% | $2506.23 | No |  | $1554.72 | $129.56 | $1499.52 | $124.96 | $0.00 | $0.00 | $0.00 | $2760.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.293 | 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 | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 44361.78 | 16.1 | 44361.78 | 16.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137689 | XXXX | XXXX | 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 | 6.375% | 6.375% | $1441.14 | No |  | $7116.12 | $593.01 | $1761.00 | $146.75 | $0.00 | $0.00 | $0.00 | $2180.90 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 216953.22 | 99.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137708 | XXXX | XXXX | 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% | $2195.50 | No |  | $4618.92 | $384.91 | $5742.00 | $478.50 | $0.00 | $0.00 | $0.00 | $3058.91 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.242 | 1.242 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 35087.11 | 11.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143977 | XXXX | XXXX | 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% | $1818.03 | No |  | $7902.72 | $658.56 | $900.00 | $75.00 | $0.00 | $0.00 | $0.00 | $2551.59 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.941 | 1.015 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 118197.58 | 46.3 | 118197.58 | 46.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137692 | XXXX | XXXX | 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% | $1449.84 | No |  | $4760.40 | $396.70 | $1557.48 | $129.79 | $0.00 | $0.00 | $0.00 | $1976.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.037 | 1.037 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 66344.87 | 33.6 | 66344.87 | 33.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137705 | XXXX | XXXX | 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 | 01/22/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 9.270% |  | 8.875% | 8.875% | $3827.05 | No |  | $5311.08 | $442.59 | $980.04 | $81.67 | $1020.00 | $85.00 | $0.00 | $4436.31 | $16428.97 | N/A | XXXX | NV | $85.00 | XXXX | Monthly | 29.97% | 29.80% | 29.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 652 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1446224.41 | 326 | 1500854.14 | 338.3 | No | 64.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137700 | XXXX | XXXX | 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% | $3380.21 | No |  | $18697.68 | $1558.14 | $1856.16 | $154.68 | $0.00 | $0.00 | $0.00 | $5093.03 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.766 | 0.766 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 513235.69 | 100.8 | No | 48.03 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137697 | XXXX | XXXX | 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% | $1697.23 | No |  | $2077.32 | $173.11 | $618.96 | $51.58 | $960.00 | $80.00 | $0.00 | $2001.92 |  | N/A | XXXX | VA | $80.00 | 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 | 1.149 | 1.149 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 63140.58 | 31.5 | 56805.96 | 28.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137694 | XXXX | XXXX | 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% | $5186.52 | No |  | $17250.00 | $1437.50 | $3296.04 | $274.67 | $0.00 | $0.00 | $0.00 | $6898.69 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.479 | 1.362 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 796349.68 | 115.4 | No | 49.09 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2143986 | XXXX | XXXX | 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% | $4024.84 | No |  | $5563.92 | $463.66 | $1976.88 | $164.74 | $0.00 | $0.00 | $0.00 | $4653.24 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.032 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 126864.94 | 27.3 | No | 71.95 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137703 | XXXX | XXXX | 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% | $1697.50 | No |  | $2077.32 | $173.11 | $579.00 | $48.25 | $960.00 | $80.00 | $0.00 | $1998.86 |  | N/A | XXXX | VA | $80.00 | 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 | 1.151 | 1.151 | 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 | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 83889.61 | 42 | 83889.61 | 42 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140103 | XXXX | XXXX | 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 | 5250 | 01/07/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.085% |  | 6.875% | 6.875% | $2575.16 | No |  | $4731.84 | $394.32 | $812.04 | $67.67 | $2916.00 | $243.00 | $0.00 | $3280.15 | $7229.02 | Yes | XXXX | VA | $243.00 | XXXX | Monthly | 37.75% | 40.41% | 40.41% | 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% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58623.77 | 17.9 | 58623.77 | 17.9 | No | 70 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137676 | XXXX | XXXX | 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 | 4738.5 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 6.792% |  | 6.625% | 6.625% | $2881.40 | No |  | $3247.92 | $270.66 | $2217.00 | $184.75 | $0.00 | $0.00 | $0.00 | $3336.81 | $55090.92 | N/A | XXXX |  | $0.00 | XXXX |  | 15.19% | 15.19% | 15.19% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KS | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KS | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 66652.70 | 20 | 66652.70 | 20 | No | 56.96 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2137691 | XXXX | XXXX | 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 | 14780.52 | 01/22/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 7.316% |  | 7.125% | 7.125% | $2991.31 | No |  | $10591.56 | $882.63 | $5832.00 | $486.00 | $350.04 | $29.17 | $0.00 | $4389.11 | $27016.58 | N/A | XXXX | TX | $29.17 | XXXX | Annually | 26.95% | 26.63% | 26.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 110537.59 | 25.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140011 | XXXX | XXXX | 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% | $1595.46 | Yes | 29.000% | $3177.00 | $264.75 | $1524.60 | $127.05 | $0.00 | $0.00 | $0.00 | $1987.26 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1 | 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 | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 26208.12 | 13.2 | No | 73.57 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137693 | XXXX | XXXX | 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% | $1223.63 | No |  | $4685.76 | $390.48 | $1361.04 | $113.42 | $0.00 | $0.00 | $0.00 | $1727.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.389 | 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 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 95776.53 | 55.4 | No | 35 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137685 | XXXX | XXXX | 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% | $1904.93 | No |  | $1781.16 | $148.43 | $1640.76 | $136.73 | $0.00 | $0.00 | $0.00 | $2190.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.093 | 1.093 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21206.06 | 9.7 | 21206.06 | 9.7 | No | 72.21 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137695 | XXXX | XXXX | 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% | $2046.53 | No |  | $8604.00 | $717.00 | $1446.00 | $120.50 | $0.00 | $0.00 | $0.00 | $2884.03 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.144 | 1.144 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 164323.14 | 57 | 164323.14 | 57 | No | 64.52 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151887 | XXXX | XXXX | 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% | $1147.65 | Yes | 23.990% | $5981.88 | $498.49 | $2600.04 | $216.67 | $0.00 | $0.00 | $0.00 | $1862.81 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.557 | 1.557 | 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 | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 44997.38 | 24.2 | 44997.38 | 24.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151854 | XXXX | XXXX | 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 | 1595 | 02/06/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.582% |  | 7.500% | 7.500% | $2595.73 | No |  | $2467.92 | $205.66 | $1646.88 | $137.24 | $0.00 | $0.00 | $0.00 | $2938.63 | $4284.56 | N/A | XXXX |  | $0.00 | XXXX |  | 47.71% | 47.71% | 47.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 0 | NA | No | Yes | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Maintenance, Asset Depletion - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Separation Agreement Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56428.89 | 19.2 | 58431.03 | 19.9 | No | 83.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137686 | XXXX | XXXX | 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 | 22987.5 | 01/08/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.790% |  | 6.625% | 6.625% | $11045.36 | No |  | $20604.60 | $1717.05 | $2496.96 | $208.08 | $0.00 | $0.00 | $0.00 | $12970.49 | $95321.73 | N/A | XXXX |  | $0.00 | XXXX |  | 13.95% | 13.57% | 13.57% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | 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 | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 395061.27 | 30.5 | 395061.27 | 30.5 | No | 74.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2140109 | XXXX | XXXX | 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% | $6386.90 | No |  | $17465.52 | $1455.46 | $1508.76 | $125.73 | $0.00 | $0.00 | $0.00 | $7968.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.339 | 2.339 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | Yes | N/A | 1315454.39 | 165.1 | 1315454.39 | 165.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137688 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1680.26 | No |  | $9515.16 | $792.93 | $1234.32 | $102.86 | $7476.00 | $623.00 | $0.00 | $3199.05 |  | N/A | XXXX | FL | $623.00 | 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 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 72539.43 | 22.7 | No | 52.18 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140104 | XXXX | XXXX | 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% | $3793.76 | No |  | $7665.60 | $638.80 | $2734.32 | $227.86 | $0.00 | $0.00 | $0.00 | $4660.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.428 | 1.45 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 564373.45 | 121.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140097 | XXXX | XXXX | 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% | $1960.28 | No |  | $2147.04 | $178.92 | $752.04 | $62.67 | $0.00 | $0.00 | $0.00 | $2201.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.555 | 1.55 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9961.59 | 4.5 | 9961.59 | 4.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140012 | XXXX | XXXX | 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% | 7.250% | $1734.70 | No |  | $1797.96 | $149.83 | $3395.88 | $282.99 | $0.00 | $0.00 | $0.00 | $2167.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.923 |  | 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 | KS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1190.00 | 0.5 | 97727.38 | 45.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143984 | XXXX | XXXX | 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 | 18325 | 02/02/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.019% |  | 7.875% | 7.875% | $12253.67 | No |  | $31065.84 | $2588.82 | $5178.96 | $431.58 | $0.00 | $0.00 | $0.00 | $15274.07 | $154953.37 | N/A | XXXX |  | $0.00 | XXXX |  | 9.70% | 9.75% | 9.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | 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 - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 193935.60 | 12.7 | 193935.60 | 12.7 | No | 82.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2143983 | XXXX | XXXX | 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% | $1172.62 | No |  | $2743.32 | $228.61 | $1437.96 | $119.83 | $1140.00 | $95.00 | $0.00 | $1616.06 |  | N/A | XXXX | TX | $95.00 | 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 | 1.114 | 1.114 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 166555.54 | 103.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140096 | XXXX | XXXX | 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% | $3550.50 | No |  | $8211.96 | $684.33 | $10520.04 | $876.67 | $0.00 | $0.00 | $0.00 | $5111.50 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.037 | 1.037 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26575.01 | 5.2 | 26575.01 | 5.2 | No | 72.99 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140106 | XXXX | XXXX | 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 | 6945 | 02/04/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.356% |  | 7.250% | 7.250% | $1882.81 | No |  | $4910.28 | $409.19 | $3660.96 | $305.08 | $144.96 | $12.08 | $0.00 | $2609.16 | $5096.87 | N/A | XXXX | TX | $12.08 | XXXX | Annually | 38.59% | 38.59% | 38.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 50471.30 | 19.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137699 | XXXX | XXXX | 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% | $2145.60 | No |  | $1925.28 | $160.44 | $965.04 | $80.42 | $360.00 | $30.00 | $0.00 | $2416.46 |  | N/A | XXXX | AZ | $30.00 | 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 | 1.035 | 1.035 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 83723.08 | 34.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137698 | XXXX | XXXX | 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% | $2110.67 | No |  | $1352.88 | $112.74 | $885.96 | $73.83 | $720.00 | $60.00 | $0.00 | $2357.24 |  | N/A | XXXX | AZ | $60.00 | 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 | 1.029 | 1.029 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 111555.52 | 47.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151855 | XXXX | XXXX | 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 | 6268.25 | 01/20/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 7.538% |  | 7.000% | 7.000% | $928.10 | No |  | $2055.36 | $171.28 | $489.00 | $40.75 | $4200.00 | $350.00 | $0.00 | $1490.13 | $2362.77 | Yes | XXXX | KY | $350.00 | XXXX | Monthly | 46.78% | 46.78% | 46.78% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2026","2024"] - 2026, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2024"] - 2026, 2024 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147661.02 | 99.1 | 147661.02 | 99.1 | No | 90 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2138595 | XXXX | XXXX | 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 | 9273 | 02/10/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.025% |  | 7.750% | 7.750% | $2865.65 | No |  | $1503.00 | $125.25 | $3123.48 | $260.29 | $0.00 | $0.00 | $0.00 | $3251.19 | $6072.81 | N/A | XXXX |  | $0.00 | XXXX |  | 38.05% | 38.05% | 38.05% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 57.56% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 6 | 6 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 645 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | Missing | XXXX | XXXX | US Citizen | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | TN | XXXX | XXXX | XXXX | XXXX | Missing | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 55067.20 | 16.9 | No | 74.07 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2144467 | XXXX | XXXX | 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 | 6.875% | 6.875% | $525.54 | Yes | 23.990% | $613.92 | $51.16 | $846.00 | $70.50 | $0.00 | $0.00 | $0.00 | $647.20 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.318 | 2.318 | 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 | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 106663.21 | 164.8 | 106663.21 | 164.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2144468 | XXXX | XXXX | 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% | $525.54 | Yes | 23.990% | $1209.24 | $100.77 | $911.04 | $75.92 | $0.00 | $0.00 | $0.00 | $702.23 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.922 | 1.922 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 104478.24 | 148.8 | 106938.36 | 152.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2144469 | XXXX | XXXX | 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% | $499.27 | Yes | 23.990% | $988.20 | $82.35 | $909.96 | $75.83 | $0.00 | $0.00 | $0.00 | $657.45 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.977 | 1.977 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 104478.24 | 158.9 | 106767.05 | 162.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140018 | XXXX | XXXX | 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% | $3304.19 | No |  | $14764.08 | $1230.34 | $2457.96 | $204.83 | $0.00 | $0.00 | $0.00 | $4739.35 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.087 | 1.087 | 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 | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 67633.70 | 14.3 | 67633.70 | 14.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143981 | XXXX | XXXX | 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% | $3553.52 | No |  | $2992.92 | $249.41 | $978.96 | $81.58 | $7620.00 | $635.00 | $0.00 | $4519.51 |  | Yes | XXXX | CA | $635.00 | 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 | 0.797 | 0.797 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 41761.55 | 9.2 | 41761.55 | 9.2 | No | 73.5 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140115 | XXXX | XXXX | 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% | $1555.36 | No |  | $3953.04 | $329.42 | $3117.00 | $259.75 | $0.00 | $0.00 | $0.00 | $2144.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.003 | 1.003 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement 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 | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25711.44 | 12 | 25711.44 | 12 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2140015 | XXXX | XXXX | 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 | 7.250% | 7.250% | $1560.48 | No |  | $2300.04 | $191.67 | $1695.96 | $141.33 | $0.00 | $0.00 | $0.00 | $1893.48 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.241 | 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 | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 99314.64 | 52.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143060 | XXXX | XXXX | 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% | $667.44 | No |  | $3519.48 | $293.29 | $951.00 | $79.25 | $0.00 | $0.00 | $0.00 | $1039.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 3 - Verified<2Mos | 3 - Verified<2Mos |  |  |  |  | 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 | 1.538 | 1.538 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 570517.92 | 548.6 | 570517.92 | 548.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2143059 | XXXX | XXXX | 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% | $846.12 | No |  | $5389.56 | $449.13 | $888.96 | $74.08 | $0.00 | $0.00 | $0.00 | $1369.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.168 |  | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 130101.91 | 95 | 130101.91 | 95 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2140014 | XXXX | XXXX | 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% | $951.23 | No |  | $5016.00 | $418.00 | $1137.96 | $94.83 | $0.00 | $0.00 | $0.00 | $1464.06 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.093 | 1.093 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123117.76 | 84.1 | 123117.76 | 84.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2140013 | XXXX | XXXX | 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% | $719.99 | No |  | $3634.32 | $302.86 | $864.96 | $72.08 | $0.00 | $0.00 | $0.00 | $1094.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.233 | 1.233 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 568333.54 | 519.1 | 568333.54 | 519.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2141204 | XXXX | XXXX | 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 | 02/17/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.143% |  | 6.875% | 6.875% | $2653.99 | No |  | $4394.28 | $366.19 | $2205.96 | $183.83 | $0.00 | $0.00 | $0.00 | $3204.01 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | Yes | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 645702.01 | 201.5 | 645702.01 | 201.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2140101 | XXXX | XXXX | 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 | 20897.35 | 01/07/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.793% |  | 7.625% | 7.625% | $3148.81 | No |  | $8652.12 | $721.01 | $5718.96 | $476.58 | $0.00 | $0.00 | $0.00 | $4346.40 | $8722.93 | N/A | XXXX |  | $0.00 | XXXX |  | 47.27% | 41.34% | 47.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27823.62 | 6.4 | 27823.62 | 6.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140105 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1023.95 | No |  | $2310.60 | $192.55 | $780.00 | $65.00 | $0.00 | $0.00 | $0.00 | $1281.50 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.483 | 1.483 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | Yes | N/A | .00 | 0 | 69101.34 | 53.9 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140099 | XXXX | XXXX | 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 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.656% |  | 7.625% | 7.625% | $8068.85 | No |  | $7424.64 | $618.72 | $3740.16 | $311.68 | $0.00 | $0.00 | $0.00 | $8999.25 | $52625.51 | N/A | XXXX |  | $0.00 | XXXX |  | 14.92% | 14.92% | 14.92% | 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 - 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 | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 63197.00 | 7 | 63197.00 | 7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140076 | XXXX | XXXX | 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 | 14132.5 | 02/05/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.082% |  | 6.875% | 6.875% | $5137.18 | No |  | $9141.12 | $761.76 | $1659.24 | $138.27 | $0.00 | $0.00 | $0.00 | $6037.21 | $20384.31 | N/A | XXXX |  | $0.00 | XXXX |  | 29.59% | 29.11% | 29.11% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 73115.73 | 12.1 | 73115.73 | 12.1 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2140108 | XXXX | XXXX | 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 | 01/13/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.286% |  | 7.250% | 7.250% | $7804.10 | No |  | $11346.96 | $945.58 | $2032.56 | $169.38 | $0.00 | $0.00 | $0.00 | $8919.06 | $11198.34 | N/A | XXXX |  | $0.00 | XXXX |  | 47.47% | 47.34% | 47.34% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 75.02% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Wage - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 411122.19 | 46.1 | 623028.85 | 69.9 | No | 78.46 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2140085 | XXXX | XXXX | 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 | 7.750% | 7.750% | $1979.09 | Yes | 23.990% | $6597.00 | $549.75 | $2562.12 | $213.51 | $0.00 | $0.00 | $0.00 | $2742.35 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.203 | 1.203 | 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 | XXXX | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11249.61 | 4.1 | 23814.91 | 8.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143982 | XXXX | XXXX | 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% | $1339.02 | No |  | $1523.88 | $126.99 | $1321.92 | $110.16 | $0.00 | $0.00 | $0.00 | $1576.17 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.11 | 1.11 | 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 | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 45320.81 | 28.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2143985 | XXXX | XXXX | 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% | $1739.06 | No |  | $3651.00 | $304.25 | $2319.00 | $193.25 | $0.00 | $0.00 | $0.00 | $2236.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.185 | 1.184 | 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 | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 93414.78 | 41.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2143978 | XXXX | XXXX | 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 | 5768 | 01/21/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 7.405% |  | 7.375% | 7.375% | $1991.91 | No |  | $821.28 | $68.44 | $5821.44 | $485.12 | $0.00 | $0.00 | $0.00 | $2545.47 | $60372.41 | N/A | XXXX |  | $0.00 | XXXX |  | 15.38% | 15.38% | 15.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 27300.80 | 10.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140107 | XXXX | XXXX | 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% | $2728.65 | No |  | $3546.12 | $295.51 | $1257.12 | $104.76 | $312.00 | $26.00 | $0.00 | $3154.92 |  | N/A | XXXX | ID | $26.00 | 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 | 0.935 | 0.935 | 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 | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7854.00 | 2.5 | 22391.64 | 7.1 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140112 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1777.69 | No |  | $4687.44 | $390.62 | $1197.96 | $99.83 | $0.00 | $0.00 | $0.00 | $2268.14 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.036 | 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 | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54219.66 | 23.9 | 54219.66 | 23.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2140113 | XXXX | XXXX | 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% | $1402.38 | No |  | $499.92 | $41.66 | $6776.88 | $564.74 | $0.00 | $0.00 | $0.00 | $2008.78 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.095 | 1.145 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | LA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 185557.57 | 92.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140116 | XXXX | XXXX | 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 | 7.625% | 7.625% | $976.76 | No |  | $1974.00 | $164.50 | $1680.60 | $140.05 | $0.00 | $0.00 | $0.00 | $1281.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.245 | 1.245 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35428.73 | 27.7 | 35428.73 | 27.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151778 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1592.81 | No |  | $3273.00 | $272.75 | $1440.00 | $120.00 | $0.00 | $0.00 | $0.00 | $1985.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.007 | 1.007 | 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 | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39253.01 | 19.8 | 39253.01 | 19.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143980 | XXXX | XXXX | 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 | 7.250% | 7.250% | $1691.67 | No |  | $4966.68 | $413.89 | $2494.92 | $207.91 | $2700.00 | $225.00 | $0.00 | $2538.47 |  | Yes | XXXX | GA | $225.00 | 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 | 1.221 | 1.221 | 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 | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 265400.54 | 104.6 | 265400.54 | 104.6 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2153392 | XXXX | XXXX | 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% | $1458.71 | Yes | 23.990% | $3512.40 | $292.70 | $3397.08 | $283.09 | $0.00 | $0.00 | $0.00 | $2034.50 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.229 | 1.219 | 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 | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30431.18 | 15 | 37686.41 | 18.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151718 | XXXX | XXXX | 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 | 13970 | 03/06/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 9.261% |  | 8.875% | 8.875% | $4041.88 | No |  | $11613.00 | $967.75 | $1844.04 | $153.67 | $900.00 | $75.00 | $0.00 | $5238.30 | $33160.20 | N/A | XXXX | TX | $75.00 | XXXX | Annually | 21.63% | 21.48% | 21.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 623 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43376.87 | 8.3 | 43376.87 | 8.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151702 | XXXX | XXXX | 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% | $1767.58 | No |  | $3504.60 | $292.05 | $1329.72 | $110.81 | $0.00 | $0.00 | $0.00 | $2170.44 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.106 | 1.1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 81613.64 | 37.6 | 81613.64 | 37.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2154545 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $655.06 | No |  | $456.00 | $38.00 | $1071.36 | $89.28 | $0.00 | $0.00 | $0.00 | $782.34 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.655 |  | 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 | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 106198.89 | 135.7 | 132595.70 | 169.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2154544 | XXXX | XXXX | 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 | 6.375% | 6.375% | $842.22 | No |  | $1028.04 | $85.67 | $1389.84 | $115.82 | $0.00 | $0.00 | $0.00 | $1043.71 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.337 | 1.33 | 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 | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 19174.30 | 18.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151776 | XXXX | XXXX | 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% | $615.87 | No |  | $1484.04 | $123.67 | $1064.04 | $88.67 | $0.00 | $0.00 | $0.00 | $828.21 |  | N/A | XXXX |  | $0.00 | XXXX |  | 3.12% | 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 | 2.807 |  | 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 | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 68088.31 | 82.2 | 73946.87 | 89.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151777 | XXXX | XXXX | 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 | 6.500% | 6.500% | $690.22 | No |  | $280.92 | $23.41 | $754.08 | $62.84 | $0.00 | $0.00 | $0.00 | $776.47 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.288 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 99800.96 | 128.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151888 | XXXX | XXXX | 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% | $875.61 | Yes | 18.000% | $4703.04 | $391.92 | $1417.80 | $118.15 | $180.00 | $15.00 | $0.00 | $1400.68 |  | N/A | XXXX | TX | $15.00 | 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 | 1.267 | 1.267 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14064.18 | 10 | 14064.18 | 10 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151889 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1137.85 | Yes | 23.990% | $7114.92 | $592.91 | $4580.40 | $381.70 | $0.00 | $0.00 | $0.00 | $2112.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.065 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 82140.20 | 38.9 | 85013.44 | 40.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151703 | XXXX | XXXX | 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 | 18507 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.268% |  | 7.125% | 7.125% | $5114.87 | No |  | $11862.48 | $988.54 | $4619.88 | $384.99 | $2160.00 | $180.00 | $0.00 | $6668.40 | $14463.93 | N/A | XXXX | CA | $180.00 | XXXX | Monthly | 49.04% | 49.96% | 49.96% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SECorporation - 1 YR Personal Tax Returns Verified - ["2024"] - 2024 | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 1 YR Personal Tax Returns Verified - ["2024"] - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 773043.82 | 115.9 | 773043.82 | 115.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2151697 | XXXX | XXXX | 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% | $2564.13 | No |  | $7537.20 | $628.10 | $5413.08 | $451.09 | $0.00 | $0.00 | $0.00 | $3643.32 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.345 | 1.345 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 79833.84 | 21.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151715 | XXXX | XXXX | 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 | 02/17/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.208% |  | 8.875% | 8.875% | $2386.93 | No |  | $3133.68 | $261.14 | $3281.04 | $273.42 | $0.00 | $0.00 | $0.00 | $2921.49 | $6479.23 | N/A | XXXX |  | $0.00 | XXXX |  | 43.42% | 43.16% | 43.16% | 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 - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 627 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 83716.80 | 28.7 | 83716.80 | 28.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151891 | XXXX | XXXX | 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% | $1721.88 | Yes | 23.990% | $10308.96 | $859.08 | $1539.12 | $128.26 | $0.00 | $0.00 | $0.00 | $2709.22 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.329 | 1.329 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 272729.05 | 100.7 | No | 47.54 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151890 | XXXX | XXXX | 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 | 6.750% | 6.750% | $1339.36 | Yes | 23.990% | $4482.12 | $373.51 | $1978.92 | $164.91 | $0.00 | $0.00 | $0.00 | $1877.78 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.225 | 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 \|\| 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 | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 39271.42 | 20.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2154543 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $672.33 | No |  | $1109.76 | $92.48 | $309.96 | $25.83 | $2820.00 | $235.00 | $0.00 | $1025.64 |  | N/A | XXXX | IN | $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% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.053 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 96179.51 | 93.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2155670 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | $1615.19 | No |  | $5499.60 | $458.30 | $5284.56 | $440.38 | $0.00 | $0.00 | $0.00 | $2513.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.343 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 166642.98 | 66.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151893 | XXXX | XXXX | 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 | 6.875% | 6.875% | $1671.56 | No |  | $963.96 | $80.33 | $1616.04 | $134.67 | $0.00 | $0.00 | $0.00 | $1886.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.219 | 1.219 | 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 | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3820.10 | 2 | 243376.65 | 129 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155497 | XXXX | XXXX | 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% | $2926.74 | No |  | $3000.00 | $250.00 | $1640.04 | $136.67 | $0.00 | $0.00 | $0.00 | $3313.41 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.328 | 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 | Borrower - null 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 | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 11227.77 | 3.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153090 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $936.33 | No |  | $5459.52 | $454.96 | $1827.24 | $152.27 | $0.00 | $0.00 | $0.00 | $1543.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.166 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 20730.68 | 13.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153093 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $916.41 | No |  | $5459.52 | $454.96 | $1827.24 | $152.27 | $0.00 | $0.00 | $0.00 | $1523.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.214 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 29539.64 | 19.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153092 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1035.94 | No |  | $6029.16 | $502.43 | $1827.24 | $152.27 | $0.00 | $0.00 | $0.00 | $1690.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.242 | 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 183003.09 | 108.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153091 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1055.86 | No |  | $6029.16 | $502.43 | $1827.24 | $152.27 | $0.00 | $0.00 | $0.00 | $1710.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.345 | 1.345 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 249837.18 | 146.1 | 436490.63 | 255.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153095 | XXXX | XXXX | 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% | $707.95 | No |  | $2946.48 | $245.54 | $1188.00 | $99.00 | $0.00 | $0.00 | $0.00 | $1052.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.425 |  | 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 | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 92515.18 | 87.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153094 | XXXX | XXXX | 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% | $535.61 | No |  | $1671.96 | $139.33 | $414.96 | $34.58 | $0.00 | $0.00 | $0.00 | $709.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.022 | 1.021 | 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 | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 68888.22 | 97.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155500 | XXXX | XXXX | 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 | 4512 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 8.571% |  | 8.375% | 8.375% | $2346.34 | No |  | $5195.40 | $432.95 | $1272.96 | $106.08 | $0.00 | $0.00 | $0.00 | $2885.37 | $30167.63 | N/A | XXXX |  | $0.00 | XXXX |  | 15.84% | 15.84% | 15.84% | 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% |  | 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) - 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure Borrower Identification - Driver License | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17582.43 | 6.1 | 17582.43 | 6.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151894 | XXXX | XXXX | 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 | 7.000% | 7.000% | $773.41 | Yes | 23.990% | $1472.76 | $122.73 | $874.56 | $72.88 | $0.00 | $0.00 | $0.00 | $969.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.238 | 1.238 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7448.24 | 7.7 | 7839.48 | 8.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155508 | XXXX | XXXX | 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 | 29536.46 | 02/27/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 7.574% |  | 7.250% | 7.250% | $4696.78 | No |  | $9017.40 | $751.45 | $3097.08 | $258.09 | $0.00 | $0.00 | $0.00 | $5706.32 | $10387.62 | N/A | XXXX |  | $0.00 | XXXX |  | 39.42% | 39.42% | 39.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37968.54 | 6.7 | 37968.54 | 6.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155672 | XXXX | XXXX | 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 | 8.625% | 8.625% | $787.51 | No |  | $2517.84 | $209.82 | $1048.32 | $87.36 | $0.00 | $0.00 | $0.00 | $1084.69 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.06 | 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 | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 65162.29 | 60.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2151895 | XXXX | XXXX | 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% | $1174.26 | Yes | 23.990% | $4882.44 | $406.87 | $660.48 | $55.04 | $6648.00 | $554.00 | $0.00 | $2190.17 |  | Yes | XXXX | NJ | $554.00 | 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 | 1.004 | 1.002 | 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 | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 183604.72 | 83.8 | 183604.72 | 83.8 | No | 65 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155513 | XXXX | XXXX | 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 | 7.000% | 7.000% | $1653.75 | No |  | $2353.80 | $196.15 | $0.00 | $0.00 | $1800.00 | $150.00 | $0.00 | $1999.90 |  | N/A | XXXX | UT | $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 | 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 | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 41948.89 | 21 | No | 67.18 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155671 | XXXX | XXXX | 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% | 8.000% | $537.00 | No |  | $1261.20 | $105.10 | $1415.28 | $117.94 | $0.00 | $0.00 | $0.00 | $760.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.447 | 1.447 | 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 | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 65159.91 | 85.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153391 | XXXX | XXXX | 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 | 7.875% | 7.875% | $1215.70 | No |  | $2814.12 | $234.51 | $2313.36 | $192.78 | $3802.20 | $316.85 | $0.00 | $1959.84 |  | N/A | XXXX | FL | $316.85 | 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 | 1.036 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31866.97 | 16.3 | 31866.97 | 16.3 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2153393 | XXXX | XXXX | 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% | $3177.50 | Yes | 23.990% | $12571.92 | $1047.66 | $546.60 | $45.55 | $5084.40 | $423.70 | $0.00 | $4694.41 |  | Yes | XXXX | NJ | $423.70 | 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 | 0.788 | 0.788 | 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 | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 64271.57 | 13.7 | 167101.94 | 35.6 | No | 60 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155509 | XXXX | XXXX | 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% | $1373.96 | No |  | $3048.00 | $254.00 | $1896.96 | $158.08 | $210.00 | $17.50 | $0.00 | $1803.54 |  | N/A | XXXX | GA | $17.50 | 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 | 1.081 | 1.081 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 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 | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 80292.17 | 44.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158229 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $513.56 | No |  | $329.28 | $27.44 | $639.84 | $53.32 | $0.00 | $0.00 | $0.00 | $594.32 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.641 | 1.675 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 54735.45 | 92.1 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155517 | XXXX | XXXX | 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% | $967.16 | No |  | $2361.48 | $196.79 | $2394.00 | $199.50 | $0.00 | $0.00 | $0.00 | $1363.45 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.173 | 1.173 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 60651.87 | 44.5 | 60651.87 | 44.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155516 | XXXX | XXXX | 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% | $1026.30 | No |  | $4293.60 | $357.80 | $2301.96 | $191.83 | $0.00 | $0.00 | $0.00 | $1575.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.015 | 1.015 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 45185.78 | 28.7 | 45185.78 | 28.7 | No | 67.44 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155506 | XXXX | XXXX | 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% | $1396.76 | No |  | $5435.28 | $452.94 | $4637.04 | $386.42 | $0.00 | $0.00 | $0.00 | $2236.12 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.76 | 0.76 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement 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 | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 192305.94 | 86 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2158234 | XXXX | XXXX | 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% | $739.40 | No |  | $810.72 | $67.56 | $1917.96 | $159.83 | $0.00 | $0.00 | $0.00 | $966.79 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.836 | 1.836 | 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 | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 103891.62 | 107.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158232 | XXXX | XXXX | 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% | $2930.97 | No |  | $2632.68 | $219.39 | $660.96 | $55.08 | $11616.00 | $968.00 | $0.00 | $4173.44 |  | Yes | XXXX | AZ | $968.00 | 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 | 0.791 | 0.791 | 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 | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 127229.05 | 30.5 | 129229.05 | 31 | No | 65 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2158231 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $3468.61 | No |  | $3096.24 | $258.02 | $1161.00 | $96.75 | $4284.00 | $357.00 | $0.00 | $4180.38 |  | Yes | XXXX | AZ | $357.00 | 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 | 1.005 | 0.957 | 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 | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 41597.18 | 10 | 41597.18 | 10 | No | 69.87 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2155657 | XXXX | XXXX | 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 | 12060 | 03/20/2026 | 6.120% | Manual Underwriting | Manual Underwriting | No | 7.605% |  | 7.125% | 7.125% | $2031.26 | No |  | $1153.32 | $96.11 | $1350.72 | $112.56 | $0.00 | $0.00 | $0.00 | $2239.93 | $5426.07 | N/A | XXXX |  | $0.00 | XXXX |  | 33.01% | 33.01% | 33.01% | 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 | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 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 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower \|\| Co Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27717.05 | 12.4 | 27717.05 | 12.4 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2158233 | XXXX | XXXX | 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% | $2350.10 | No |  | $1475.04 | $122.92 | $963.00 | $80.25 | $3600.00 | $300.00 | $0.00 | $2853.27 |  | Yes | XXXX | AZ | $300.00 | 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 | 0.824 |  | 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 | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 350235.02 | 122.8 | 350235.02 | 122.8 | No | 65 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2158296 | XXXX | XXXX | 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% | $1727.81 | Yes | 23.990% | $8013.84 | $667.82 | $2699.04 | $224.92 | $0.00 | $0.00 | $0.00 | $2620.55 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.603 | 1.603 | 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 | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 193385.61 | 73.8 | 213285.23 | 81.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158297 | XXXX | XXXX | 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% | $595.71 | Yes | 23.990% | $2003.64 | $166.97 | $1012.68 | $84.39 | $0.00 | $0.00 | $0.00 | $847.07 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.623 | 1.623 | 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 | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18092.96 | 21.4 | 177084.47 | 209.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158274 | XXXX | XXXX | 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 | 9727.5 | 04/15/2026 | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.909% |  | 7.625% | 7.625% | $3917.64 | No |  | $6520.80 | $543.40 | $1789.08 | $149.09 | $0.00 | $0.00 | $0.00 | $4610.13 | $13650.87 | N/A | XXXX |  | $0.00 | XXXX |  | 37.09% | 37.09% | 37.09% | 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 - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 92833.37 | 20.1 | 92833.37 | 20.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

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## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 6. Selene Business Purpose Report**

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| Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| 2127960 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 1325 | Appraisal - 1007 |  | N/A |  |  | 1325 | Appraisal - 1007 | No | 78.82 |  | 0 | 1044.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 120000 |  | 1325 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 63.76 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2137709 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 3816.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 4.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Owner |
| 2122558 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 1465.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39400 |  | 145500 |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.09 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2122564 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 95.49 | 1.047 | 1.047 | 1909.88 | 2200 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 2000 |  |  |  |  |  |  | No | No | 3 | 1 | 1 | N/A | 42.74 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2122579 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 183.54 | 0 | 0 | 4221.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 14.44 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Owner |
| 2122608 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 93.91 | 0 | 0 | 2347.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.43 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2122594 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 78.69 | 1.271 | 1.271 | 1180.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28587 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 73.98 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Vacant |
| 2122599 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5600 | Appraisal - 1007 |  | N/A |  |  | 5600 | Appraisal - 1007 | No | 70.21 | 1.13 | 1.424 | 3931.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5600 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 3.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2137677 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Appraisal - 1007 | No | 128.95 | 0.776 | 0.776 | 7736.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6000 |  |  |  |  |  |  | No | No | 7.4 | 1 | 1 | N/A | 1319.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2137679 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 4900 | Appraisal - 1025 |  |  |  |  | 4900 | Appraisal - 1025 | No | 83.04 | 1.204 | 1.204 | 4068.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51000 |  |  |  | 4900 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 7.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 2140098 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 2187.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 81648 | 0 | 354900 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.6 | 1 | 1 | N/A | 119.65 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2133244 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1925 | Appraisal - 1007 |  |  |  |  | 1925 | Appraisal - 1007 | No | 97.54 | 1.025 | 1.025 | 1877.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1925 |  |  |  |  |  |  | No | No | 5.1 | 1 | 1 | N/A | 199.86 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Vacant |
| 2140100 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | 0 | 8400 | Appraisal - 1025 |  | N/A |  |  | 8400 | Appraisal - 1025 | No | 86.58 | 1.142 | 1.155 | 7273.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 280000 | 0 | 0 | 0 | 8400 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 95.95 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Owner |
| 2137682 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 4700 | Appraisal - 1007 |  |  |  |  | 4700 | Appraisal - 1007 | No | 96.65 | 1.035 | 1.035 | 4542.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 4700 |  |  |  |  |  |  | No | No | 22 | 1 | 1 | N/A | 15.37 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2137704 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4500 | Appraisal - 1025 |  | N/A |  |  | 4500 | Appraisal - 1025 | No | 93.6 | 1.068 | 1.068 | 4211.92 | 2250 | 03-01-2026 | 12 | 2250 | 02-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54000 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 73.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140114 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1295 | 1325 | Appraisal - 1007 |  | N/A |  |  | 1325 | Appraisal - 1007 | No | 86.64 | 1.154 | 1.154 | 1147.93 | 1295 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16500 |  | 98000 |  | 1325 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 81.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155503 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2400 | Appraisal - 1007 |  |  |  |  | 2800 | Actual In Place Rent | No | 97.36 | 1.027 | 1.027 | 2725.95 | 2800 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92400 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 107.71 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2137706 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 95.09 | 1.052 | 1.052 | 2852.72 | 3500 | 08-31-2028 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41310 |  | 230000 |  | 3000 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 8.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2137702 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 76.82 | 1.302 | 1.302 | 1766.91 | 0 |  | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2300 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 87.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2137701 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3570 | Appraisal - 1007 |  | N/A |  |  | 3570 | Appraisal - 1007 | No | 77.33 | 1.293 | 1.293 | 2760.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | 341000 |  | 3570 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 16.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2137689 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Actual In Place Rent | No | 94.82 | 1.055 | 1.055 | 2180.9 | 2300 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13800 |  | 0 |  | 2300 |  |  |  |  |  |  | No | No | 19.8 | 1 | 1 | N/A | 99.48 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2137708 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3800 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3800 | Actual In Place Rent | No | 80.5 | 1.242 | 1.242 | 3058.91 | 2200 | 04-01-2026 | 1 | 1600 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38880 |  |  |  | 3800 |  |  |  |  |  |  | No | No | 3 | 1 | 1 | N/A | 11.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143977 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 106.32 | 1.015 | 0.941 | 2551.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | 0 | 2400 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 46.32 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Vacant |
| 2137692 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 96.41 | 1.037 | 1.037 | 1976.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2050 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 33.57 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Vacant |
| 2137700 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 130.59 | 0.766 | 0.766 | 5093.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45400 |  | 1550000 |  | 3900 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 100.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2137697 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 87.04 | 1.149 | 1.149 | 2001.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 13.8 | 1 | 1 | N/A | 28.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2137694 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8485 | 10200 | Appraisal - 1025 |  | N/A |  |  | 10200 | Appraisal - 1025 | No | 67.63 | 1.362 | 1.479 | 6898.69 | 1925 | 11-01-2020 | 12 | 2250 | 01-31-2027 | 12 | 2310 | 12-31-2026 | 12 | 2000 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 109500 | 0 | 1550000 | 0 | 10200 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.8 | 1 | 1 | N/A | 115.43 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2143986 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4800 | 6900 | Appraisal - 1007 |  | N/A |  |  | 4800 | Actual In Place Rent | No | 96.94 | 1.032 | 1.032 | 4653.24 | 4800 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4800 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 27.26 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2137703 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 86.91 | 1.151 | 1.151 | 1998.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 | 0 | 0 | 0 | 2300 | 0 | 0 | 0 | 0 |  | 0 | No | No | 13.8 | 1 | 1 | N/A | 41.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140011 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2850 | 1812 | Appraisal - 1007 |  | N/A |  |  | 1812 | Appraisal - 1007 | No | 109.67 | 1 | 1.003 | 1987.26 | 2850 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | 195000 |  | 1812 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 13.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2137693 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2750 | Appraisal - 1007 |  | N/A |  |  | 2400 | Actual In Place Rent | No | 71.98 | 1.389 | 1.389 | 1727.53 | 2400 | 04-30-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 135200 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 22 | 1 | 1 | N/A | 55.44 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2137685 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 | 2393.34 | AirDNA | 12 |  | 2393.34 | AirDNA | Yes | 91.51 | 1.093 | 1.093 | 2190.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28500 | 0 | 285000 | 0 | 2393.34 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1 | 1 | 1 | N/A | 9.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2137695 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 87.39 | 1.144 | 1.144 | 2884.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  | No | No | 10.9 | 1 | 1 | N/A | 56.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 2151887 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2900 | 3000 | Appraisal - 1025 |  | N/A |  |  | 2900 | Actual In Place Rent | No | 64.23 | 1.557 | 1.557 | 1862.81 | 1500 | 08-01-2026 | 12 | 1400 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59300 |  |  |  | 2900 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 24.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140109 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | 0 | 18640 | Appraisal - 1007 |  |  |  |  | 18640 | Appraisal - 1007 | No | 42.75 | 2.339 | 2.339 | 7968.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 111840 |  |  |  | 18640 |  |  |  |  |  |  | No | No | 15.2 | 1 | 1 | N/A | 165.09 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| 2137688 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3200 | Actual In Place Rent | No | 99.97 | 1 | 1 | 3199.05 | 3200 | 11-30-2026 | 18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 22.68 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140104 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6885 | 7000 | Appraisal - 1025 |  |  |  |  | 6885 | Actual In Place Rent | No | 67.69 | 1.45 | 1.428 | 4660.42 | 1700 | 04-01-2026 | 1 | 1750 | 04-01-2026 | 1 | 1700 | 04-01-2026 | 1 | 1735 | 04-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 114000 |  | 639500 |  | 6885 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 121.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140097 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3425 | Appraisal - 1007 |  | N/A |  |  | 3425 | Appraisal - 1007 | No | 64.29 | 1.55 | 1.555 | 2201.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41100 |  |  |  | 3425 |  |  |  |  |  |  | No | No | 13.2 | 1 | 1 | N/A | 4.52 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2140012 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 108.38 |  | 0.923 | 2167.52 | 2000 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48000 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 45.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143983 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1700 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 89.78 | 1.114 | 1.114 | 1616.06 | 1800 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  | 0 |  | 1800 |  |  |  |  |  |  | No | No | 3.1 | 1 | 1 | N/A | 103.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2140096 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1025 |  |  |  |  | 5300 | Appraisal - 1025 | No | 96.44 | 1.037 | 1.037 | 5111.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 5300 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 5.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2137699 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 96.66 | 1.035 | 1.035 | 2416.46 | 1800 | 03-31-2022 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 | 0 | 0 | 0 | 2500 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 5.1 | 1 | 1 | N/A | 34.65 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2137698 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2425 | Appraisal - 1007 |  | N/A |  |  | 2425 | Appraisal - 1007 | No | 97.21 | 1.029 | 1.029 | 2357.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29100 |  |  |  | 2425 |  |  |  |  |  |  | No | No | 7.9 | 1 | 1 | N/A | 47.32 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2144467 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 43.15 | 2.318 | 2.318 | 647.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18300 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0.5 | 3 | 1 | N/A | 164.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2144468 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No | 52.02 | 1.922 | 1.922 | 702.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22100 |  |  |  | 1350 |  |  |  |  |  |  | No | No | 0.5 | 3 | 1 | N/A | 152.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2144469 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 50.57 | 1.977 | 1.977 | 657.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18300 |  |  |  | 1300 |  |  |  |  |  |  | No | No | 0.5 | 3 | 1 | N/A | 162.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2140018 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5150 | Appraisal - 1025 |  | N/A |  |  | 5150 | Appraisal - 1025 | No | 92.03 | 1.087 | 1.087 | 4739.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68900 |  |  |  | 5150 |  |  |  |  |  |  | No | No | 8.8 | 1 | 1 | N/A | 14.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143981 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3600 | Appraisal - 1007 |  |  |  |  | 3600 | Appraisal - 1007 | No | 125.54 | 0.797 | 0.797 | 4519.51 | 3500 | 04-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21250 |  |  |  | 3600 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 9.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140115 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2150 | Appraisal - 1007 |  |  |  |  | 2150 | Appraisal - 1007 | No | 99.75 | 1.003 | 1.003 | 2144.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16100 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 33.8 | 1 | 1 | N/A | 11.99 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2140015 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2350 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2350 | Actual In Place Rent | No | 80.57 | 1.241 | 1.241 | 1893.48 | 1175 | 02-26-2026 | 1 | 1175 | 02-26-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33400 |  |  |  | 2350 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 52.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143060 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 65 | 1.538 | 1.538 | 1039.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19200 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 14.4 | 1 | 1 | N/A | 548.59 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2143059 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 85.58 |  | 1.168 | 1369.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19200 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 14.2 | 1 | 1 | N/A | 95.01 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2140014 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 91.5 | 1.093 | 1.093 | 1464.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19200 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 14.6 | 1 | 1 | N/A | 84.09 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2140013 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No | 81.11 | 1.233 | 1.233 | 1094.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16200 |  |  |  | 1350 |  |  |  |  |  |  | No | No | 14.2 | 1 | 1 | N/A | 519.06 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2140105 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1045 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 67.45 | 1.483 | 1.483 | 1281.5 | 1045 | 12-28-2028 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12540 |  | 97000 |  | 1900 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 53.92 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2140085 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3300 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3300 | Actual In Place Rent | No | 83.1 | 1.203 | 1.203 | 2742.35 | 3300 | 01-31-2027 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37400 |  |  |  | 3300 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 8.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143982 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1800 | Appraisal - 1007 |  |  |  |  | 1750 | Actual In Place Rent | No | 90.07 | 1.11 | 1.11 | 1576.17 | 1750 | 12-31-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  | 0 |  | 1750 |  |  |  |  |  |  | No | No | 2.7 | 1 | 1 | N/A | 28.75 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2143985 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2650 | Appraisal - 1007 |  | N/A |  |  | 2650 | Appraisal - 1007 | No | 84.4 | 1.184 | 1.185 | 2236.56 | 2500 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 2650 |  |  |  |  |  |  | No | No | 19.8 | 1 | 1 | N/A | 41.77 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2140107 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2950 | Appraisal - 1007 |  | N/A |  |  | 2950 | Appraisal - 1007 | No | 106.95 | 0.935 | 0.935 | 3154.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 2950 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 7.1 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2140112 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2350 | Appraisal - 1007 |  | N/A |  |  | 2350 | Appraisal - 1007 | No | 96.52 | 1.036 | 1.036 | 2268.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 | 0 | 0 | 0 | 2350 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 12.6 | 1 | 1 | N/A | 23.91 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Vacant |
| 2140113 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 91.31 | 1.145 | 1.095 | 2008.78 | 2500 | 08-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27528 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 92.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140116 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1595 | Appraisal - 1007 |  |  |  |  | 1595 | Appraisal - 1007 | No | 80.33 | 1.245 | 1.245 | 1281.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1595 |  |  |  |  |  |  | No | No | 6.4 | 2 | 1 | N/A | 27.65 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2151778 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 99.28 | 1.007 | 1.007 | 1985.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48500 |  | 150000 |  | 2000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 19.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143980 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3100 | Appraisal - 1007 |  |  |  |  | 3100 | Appraisal - 1007 | No | 81.89 | 1.221 | 1.221 | 2538.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3100 |  |  |  |  |  |  | No | No | 13.6 | 1 | 1 | N/A | 104.55 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Vacant |
| 2153392 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2850 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 81.38 | 1.219 | 1.229 | 2034.5 | 2850 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 18.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2151702 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1025 |  |  |  |  | 2400 | Appraisal - 1025 | No | 90.44 | 1.1 | 1.106 | 2170.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17088 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 19.8 | 1 | 1 | N/A | 37.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2154545 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1295 | 1325 | Appraisal - 1007 |  | N/A |  |  | 1295 | Actual In Place Rent | No | 60.41 |  | 1.655 | 782.34 | 1295 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  | 42000 |  | 1295 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 169.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2154544 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1395 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1395 | Actual In Place Rent | No | 74.82 | 1.33 | 1.337 | 1043.71 | 1395 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 | 0 | 70000 |  | 1395 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.4 | 1 | 1 | N/A | 18.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2151776 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2325 | 2800 | Appraisal - 1025 |  | N/A |  |  | 2325 | Actual In Place Rent | No | 35.62 |  | 2.807 | 828.21 | 650 | 02-28-2027 | 1 | 450 | 06-30-2026 | 1 | 650 | 02-28-2027 | 1 | 575 | 12-31-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 28500 |  |  |  | 2325 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 89.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151777 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1000 | 1000 | Appraisal - 1007 |  | N/A |  |  | 1000 | Actual In Place Rent | No | 77.65 | 1.288 | 1.288 | 776.47 | 1000 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 | 0 | 59500 |  | 1000 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.8 | 1 | 1 | N/A | 128.53 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151888 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1775 | Appraisal - 1007 |  | N/A |  |  | 1775 | Appraisal - 1007 | No | 78.91 | 1.267 | 1.267 | 1400.68 | 1900 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28200 |  | 146000 |  | 1775 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 10.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151889 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2550 | 2250 | Appraisal - 1007 |  | N/A |  |  | 2250 | Appraisal - 1007 | No | 93.89 | 1.065 | 1.065 | 2112.46 | 2550 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 86800 |  | 0 | 0 | 2250 |  |  |  |  |  |  | No | No | 7 | 1 | 1 | N/A | 40.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151697 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4815 | 4900 | Appraisal - 1025 |  |  |  |  | 4900 | Appraisal - 1025 | No | 74.35 | 1.345 | 1.345 | 3643.32 | 1300 | 09-10-2026 | 12 | 2215 | 10-19-2026 | 12 | 1300 | 09-10-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58689 |  |  |  | 4900 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 21.91 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2151891 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3600 | Appraisal - 1007 |  |  |  |  | 3600 | Appraisal - 1007 | No | 75.26 | 1.329 | 1.329 | 2709.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39600 |  | 515000 |  | 3600 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 100.67 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2151890 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 81.64 | 1.225 | 1.225 | 1877.78 | 2300 | 04-07-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25842 |  | 198500 |  | 2300 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 20.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2154543 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1080 | 1400 | Appraisal - 1007 |  | N/A |  |  | 1080 | Actual In Place Rent | No | 94.97 |  | 1.053 | 1025.64 | 1080 | 02-01-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 1080 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 93.78 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 0 | Full Recourse | XXXX | Tenant |
| 2155670 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3375 | 3900 | Appraisal - 1025 |  | N/A |  |  | 3375 | Actual In Place Rent | No | 74.49 | 1.339 | 1.343 | 2513.87 | 850 | 04-30-2026 | 1 | 850 | 04-30-2026 | 1 | 850 | 04-30-2026 | 1 | 825 | 04-30-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  | 100 |  | 3375 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 66.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151893 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 82.02 | 1.219 | 1.219 | 1886.56 | 2500 | 03-01-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  | 160000 | 0 | 2300 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 129.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155497 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 2100 | Appraisal - 1007 |  | N/A |  |  | 4400 | Actual In Place Rent | No | 75.3 | 1.328 | 1.328 | 3313.41 | 4400 | 04-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51000 |  | 510000 |  | 4400 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 3.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2153090 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1995 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 85.75 |  | 1.166 | 1543.56 | 1995 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23940 |  | 0 |  | 1800 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 13.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2153093 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2095 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 82.36 |  | 1.214 | 1523.64 | 2095 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25140 |  | 0 |  | 1850 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 19.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2153092 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2289 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 80.51 | 1.354 | 1.242 | 1690.64 | 2289 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55008 |  | 0 |  | 2100 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 108.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2153091 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2395 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 74.37 | 1.345 | 1.345 | 1710.56 | 2395 | 03-26-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62280 |  | 0 |  | 2300 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 255.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2153095 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Actual In Place Rent | No | 70.17 |  | 1.425 | 1052.49 | 1500 | 03-15-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  | 1 |  | 1500 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 87.9 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2153094 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 725 | 950 | Appraisal - 1007 |  | N/A |  |  | 725 | Actual In Place Rent | No | 97.86 | 1.021 | 1.022 | 709.52 | 725 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7500 |  |  |  | 725 |  |  |  |  |  |  | No | No | 9.2 | 1 | 1 | N/A | 97.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151894 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1200 | Appraisal - 1007 |  | N/A |  |  | 1200 | Appraisal - 1007 | No | 80.75 | 1.238 | 1.238 | 969.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12004 |  | 610000 |  | 1200 |  |  |  |  |  |  | No | No | 1.6 | 12 | 1 | N/A | 8.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2155672 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1150 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1150 | Actual In Place Rent | No | 94.32 | 1.06 | 1.06 | 1084.69 | 1150 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6900 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 60.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2151895 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 99.55 | 1.002 | 1.004 | 2190.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17100 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 83.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2155513 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 100 | 1 | 1 | 1999.9 | 2000 | 04-13-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | 0 | 2000 | 0 | 0 | 0 | 0 | 0 |  | No | No | 6 | 1 | 1 | N/A | 20.98 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2155671 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1200 | Appraisal - 1007 |  | N/A |  |  | 1100 | Actual In Place Rent | No | 69.09 | 1.447 | 1.447 | 760.04 | 1100 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13800 |  |  |  | 1100 |  |  |  |  |  |  | No | No | 13.7 | 1 | 1 | N/A | 85.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2153391 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 1960 | Appraisal - 1007 |  | N/A |  |  | 1960 | Appraisal - 1007 | No | 99.99 | 1.036 | 1 | 1959.84 | 3200 | 12-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31800 |  | 0 |  | 1960 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 16.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2153393 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 126.88 | 0.788 | 0.788 | 4694.41 | 4400 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23000 |  |  |  | 3700 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 35.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2155509 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1950 | 1950 | Appraisal - 1007 |  |  |  |  | 1950 | Appraisal - 1007 | No | 92.49 | 1.081 | 1.081 | 1803.54 | 1950 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | 144900 |  | 1950 |  |  |  |  |  |  | No | No | 9.4 | 1 | 1 | N/A | 44.52 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2158229 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 975 | 1100 | Appraisal - 1007 |  | N/A |  |  | 975 | Actual In Place Rent | No | 60.96 | 1.675 | 1.641 | 594.32 | 975 | 03-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 | 0 |  |  | 975 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.8 | 1 | 1 | N/A | 92.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2155517 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1832.97 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 85.22 | 1.173 | 1.173 | 1363.45 | 1832.97 | 02-19-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 45500 |  | 1600 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 44.48 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155516 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2219.6 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 98.5 | 1.015 | 1.015 | 1575.93 | 2219.6 | 12-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1600 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 28.67 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155506 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1900 | Appraisal - 1007 |  |  |  |  | 1700 | Actual In Place Rent | No | 131.54 | 0.76 | 0.76 | 2236.12 | 1700 | 06-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35940 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2158234 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 1775 | Appraisal - 1007 |  | N/A |  |  | 1775 | Appraisal - 1007 | No | 54.47 | 1.836 | 1.836 | 966.79 | 2500 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11601.48 |  | 55000 |  | 1775 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 107.46 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2158232 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3300 | 3640 | Appraisal - 1007 |  | N/A |  |  | 3640 | Appraisal - 1007 | No | 114.65 | 0.791 | 0.791 | 4173.44 | 3300 | 02-29-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 3640 |  |  |  |  |  |  | No | No | 5 | 1 | 1 | N/A | 30.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2158231 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Actual In Place Rent | No | 99.53 | 0.957 | 1.005 | 4180.38 | 4200 | 11-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 4200 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 9.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2158233 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2350 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2350 | Actual In Place Rent | No | 121.42 |  | 0.824 | 2853.27 | 2350 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30400 |  |  |  | 2350 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 122.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2158296 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4250 | 4200 | Appraisal - 1025 |  | N/A |  |  | 4200 | Appraisal - 1025 | No | 62.39 | 1.603 | 1.603 | 2620.55 | 1650 | 03-31-2027 | 12 | 1300 | 03-31-2027 | 12 | 1300 | 03-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50400 |  |  |  | 4200 |  |  |  |  |  |  | No | No | 0.3 | 2 | 1 | N/A | 81.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2158297 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1375 | Appraisal - 1007 |  | N/A |  |  | 1375 | Appraisal - 1007 | No | 61.61 | 1.623 | 1.623 | 847.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9000 |  |  |  | 1375 |  |  |  |  |  |  | No | No | 0.4 | 2 | 1 | N/A | 209.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

**Schedule 7. Selene Data Compare Report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2127960 |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 2127960 |  |  | XXXX | Borrower 2 Employer 1 Yrs on Job | the1003Page | XXXX | XXXX | XXXX |
| 2127960 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 2127960 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2127960 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2137709 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137709 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122558 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122558 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122564 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122579 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122579 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122579 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122608 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2122608 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2122608 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122608 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2122594 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2122594 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2122594 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2122599 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137677 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137679 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2137679 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2137679 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137679 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137679 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137679 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140098 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140098 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140098 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133244 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2133244 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2133244 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2133244 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2140100 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140100 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137682 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137682 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137682 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137683 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137683 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137704 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137704 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137704 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140114 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140114 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140114 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140114 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143979 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2143979 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143979 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143979 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155503 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155503 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137706 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137706 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137702 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137702 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137702 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137701 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137689 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137689 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137689 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137708 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137708 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137692 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137692 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137692 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137692 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137692 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137700 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137700 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137700 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137700 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137700 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137697 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137697 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137697 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137697 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137697 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137694 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137694 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137694 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137694 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137694 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143986 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2143986 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143986 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2137703 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137703 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137703 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137703 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140103 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140103 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140103 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140103 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140103 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2140103 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137676 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2137676 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137676 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137691 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137691 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Loan Origination Company | notePage | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Loan Origination Company NMLS | notePage | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2140011 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2137693 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137693 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137685 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137685 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137685 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137695 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137695 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151887 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137686 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137686 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137686 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137686 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137686 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140109 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2140109 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137688 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2137688 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137688 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137688 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137688 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137688 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140104 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140104 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140104 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140104 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140104 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140097 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140097 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140097 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140097 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Loan Origination Company | notePage | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2140012 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2143984 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2143984 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143984 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143984 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143983 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2143983 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2143983 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2143983 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143983 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143983 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140096 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140096 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140096 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140096 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2140096 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140106 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140106 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140106 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140106 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140106 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137698 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2137698 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137698 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137698 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137698 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2151855 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2144467 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2144467 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2144468 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2144469 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2144469 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2140018 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2143981 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2143981 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143981 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140115 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140115 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140115 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140115 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2140115 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140015 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140015 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2140015 |  |  | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140015 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140015 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140015 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | Borrower 2 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2143060 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Borrower 2 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2143059 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Loan Origination Company | notePage | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140014 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Borrower 2 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140013 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2141204 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2141204 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2140101 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140105 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140105 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2140105 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140099 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140076 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140108 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140108 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140108 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140085 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2140085 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2143982 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2143982 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143985 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2143985 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2143985 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143978 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140107 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140107 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2140107 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140107 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140112 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140112 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140113 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2140113 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2140113 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140113 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140116 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140116 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140116 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Number of Units | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Loan Origination Company NMLS | notePage | XXXX | XXXX | XXXX |
| 2151778 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2143980 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2143980 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2143980 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143980 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2153392 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2153392 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2153392 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2151702 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2151702 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151702 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154545 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2154544 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Loan Origination Company | notePage | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Borrower 1 Rent or Own | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Borrower 1 Race - I do not wish to provide this information | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Negative Amortization Flag | notePage | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 2151776 |  |  | XXXX | Borrower 1 Ethnicity Visual Observation or Surname | the1003Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2151777 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2151888 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151889 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2151889 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2151703 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151703 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2151703 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2151703 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151703 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2151703 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2151697 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151697 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2151697 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2151697 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2151697 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151715 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Borrower 1 Years in Current Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Manufactured Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2154543 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Borrower 1 Sex - I do not wish to provide this information | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2155670 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2151893 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2155497 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155497 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155497 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2153090 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Borrower 1 Employer 1 Years in Line of Work | 1003OcrPage | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2153093 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2153092 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2153092 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2153092 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2153092 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2153091 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Loan Origination Company NMLS | notePage | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2153095 |  |  | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Manufactured Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2153094 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2155500 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155500 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151894 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2151894 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2151894 |  |  | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| 2155508 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155508 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Manufactured Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2155672 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2151895 |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| 2151895 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151895 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155513 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155513 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155513 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Manufactured Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2155671 |  |  | XXXX | Title Form Type | titlePage | XXXX | XXXX | XXXX |
| 2153391 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2153391 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2153391 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 2153391 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2153391 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2153393 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2153393 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 2153393 |  |  | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155509 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155517 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2155517 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155517 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155516 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155516 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155516 |  |  | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2155516 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155516 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155506 |  |  | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155506 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2155506 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155506 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155506 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2158234 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2158232 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2158232 |  |  | XXXX | Borrower 2 Years in Current Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2158232 |  |  | XXXX | Borrower 2 Ethnicity Visual Observation or Surname | 1003OcrPage | XXXX | XXXX | XXXX |
| 2158232 |  |  | XXXX | Borrower 1 Employer 1 Years in Line of Work | 1003OcrPage | XXXX | XXXX | XXXX |
| 2158232 |  |  | XXXX | Borrower 1 Years in Current Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2158232 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2158231 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2155657 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155657 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155657 |  |  | XXXX | Borrower 1 FTHB | disclosuresPage | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Loan Origination Company | notePage | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Borrower 2 Email | 1003OcrPage | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2158233 |  |  | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2158296 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2158297 |  |  | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |

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