# EDGAR Filing Document

**Accession Number:** 0002089717
**File Stem:** 0001104659-26-027754
**Filing Date:** 2026-3
**Character Count:** 1711445
**Document Hash:** 299dc4d60bc1de2bdb439dcc39477f3f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-027754.hdr.sgml**: 20260313

**ACCESSION NUMBER**: 0001104659-26-027754

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20260313

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

**FILED AS OF DATE**: 20260313

**DATE AS OF CHANGE**: 20260313

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APCA Resi O4B-25A, LLC
- **CENTRAL INDEX KEY:** 0002089717

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08393
- **FILM NUMBER:** 26753537

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 2127507300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APCA Resi O4B-25A, LLC
- **CENTRAL INDEX KEY:** 0002089717

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 2127507300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APCA Resi O4B-25A, LLC
- **CENTRAL INDEX KEY:** 0002089717

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 2127507300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

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

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> Report Pursuant to Section 15G of**

**the Securities Exchange Act of 1934**

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

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

Date of Report (Date of earliest event reported)______________________

Commission File Number of securitizer: ____________________

Central Index Key Number of securitizer: ___________________

------

Name and telephone number, including area code, of the person to

contact in connection with this filing

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

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

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

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

Central Index Key Number of depositor: <u>0002089717</u>

(Exact name of issuing entity as specified in its charter): HOMES 2026-NQM2 Trust

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

Thomas C. Griffin III (212) 710-2184

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

**INFORMATION TO BE INCLUDED IN THE REPORT**

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

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

Attached as <u>Exhibit 99</u> to this Form ABS-15G are the disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2). Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
| Dated: March 13, 2026 | APCA Resi O4B-25A, LLC | APCA Resi O4B-25A, LLC | APCA Resi O4B-25A, LLC |
|  | (Depositor) | (Depositor) | (Depositor) |
|  | By: Ares Alternative Credit Management LLC, its manager | By: Ares Alternative Credit Management LLC, its manager | By: Ares Alternative Credit Management LLC, its manager |
|  | By: | /s/ Thomas C. Griffin III | /s/ Thomas C. Griffin III |
|  |  | Name: | Thomas C. Griffin III |
|  |  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| Exhibit Number | Description |
| [Exhibit 99.1](tm268691d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") – Executive Summary](tm268691d1_ex99-1.htm) |
|  | [Schedule 1 – AMC Rating Agency Grades](tm268691d1_ex99-1.htm#km_001) |
|  | [Schedule 2 – AMC Exception Grades](tm268691d1_ex99-1.htm#km_002) |
|  | [Schedule 3 – AMC Valuation Summary](tm268691d1_ex99-1.htm#km_003) |
|  | [Schedule 4 – AMC Data Compare Summary (Total)](tm268691d1_ex99-1.htm#km_004) |
| [Exhibit 99.2](tm268691d1_ex99-2.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") – Narrative](tm268691d1_ex99-2.htm) |
|  | [Schedule 1 – Canopy Rating Agency Grades Detail Report](tm268691d1_ex99-2.htm#kk_001) |
|  | [Schedule 2 – Canopy Rating Agency Grades Summary Report](tm268691d1_ex99-2.htm#kk_002) |
|  | [Schedule 3 – Canopy Valuation Report](tm268691d1_ex99-2.htm#kk_003) |
|  | [Schedule 4 – Canopy ATR OR QM Data Report](tm268691d1_ex99-2.htm#kk_004) |
|  | [Schedule 5 – Canopy Data Compare Report](tm268691d1_ex99-2.htm#kk_005) |
| [Exhibit 99.3](tm268691d1_ex99-3.htm) | [Consolidated Analytics, Inc. ("CA") – Executive Summary](tm268691d1_ex99-3.htm) |
|  | [Schedule 1 – CA Due Diligence Standard](tm268691d1_ex99-3.htm#ks_001) |
|  | [Schedule 2 – CA Rating Agency Grade](tm268691d1_ex99-3.htm#ks_002) |
|  | [Schedule 3 – CA Valuations Summary Report](tm268691d1_ex99-3.htm#ks_003) |
|  | [Schedule 4 – CA Data Compare Report](tm268691d1_ex99-3.htm#ks_004) |
| [Exhibit 99.4](tm268691d1_ex99-4.htm) | [Opus Capital Markets Consultants, LLC ("Opus") – Narrative](tm268691d1_ex99-4.htm) |
|  | [Schedule 1 – Opus Standard Findings Report](tm268691d1_ex99-4.htm#sk_001) |
|  | [Schedule 2 – Opus Rating Agency Grades Summary Report](tm268691d1_ex99-4.htm#sk_002) |
|  | [Schedule 3 – Opus ATR OR QM Data Report](tm268691d1_ex99-4.htm#sk_003) |
|  | [Schedule 4 – Opus Valuation Report](tm268691d1_ex99-4.htm#sk_004) |
|  | [Schedule 5 – Opus Data Compare Report](tm268691d1_ex99-4.htm#sk_005) |

---

## Exhibit 99.1

**Exhibit 99.1**

![](tm268691d1_ex99-1img002.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by APCA Resi O4B, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted on Loans with origination dates from March 2025 through June 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

**(2) Population of the assets reviewed.**

The final population of the Review contained thirty-eight (38) Loans totaling an aggregate original principal balance of approximately $17.056 million (the "Loans").

**(3) Determination of the population and computation.**

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and S&P Global Ratings ("S&P").

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Investor: Qualifying Total Debt<br> Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original LTV |  |

---

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.**

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

**<u>CREDIT AND COMPLIANCE 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.

1 \| P a g e

![](tm268691d1_ex99-1img002.jpg)

**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.

**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.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all Loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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![](tm268691d1_ex99-1img002.jpg)

**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) satisfied 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 adherence 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 adhere to credit policy requirements.

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

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

▪ Reviewing the Certification of Business Purpose
and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten 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.

▪ Gathering the components of the DSCR from source
documentation provided in the loan file during the course of the review. Where applicable, AMC sums per the guidelines the principal and
interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income as per the guidelines.

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![](tm268691d1_ex99-1img002.jpg)

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

---

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

---

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

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

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

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![](tm268691d1_ex99-1img002.jpg)

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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).

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

*<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.

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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**(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.

**<u>LEASES & LIMITED COMPLIANCE REVIEW</u>**

Includes Leases Review Scope with additional limited compliance review below.

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

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

with the following:

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

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

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

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

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

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

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**(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 NRSROs listed in the Form ABS Due Diligence-15E.

**OVERALL REVIEW RESULTS SUMMARY**

Of the thirty-eight (38) Loans reviewed, all thirty-eight (38) Loans or (100%) received an overall "A" or "B" grade.

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|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.53% |
| &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;**38** | &nbsp;&nbsp;**100.00%** |

---

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![](tm268691d1_ex99-1img002.jpg)

**COMPLIANCE RESULTS SUMMARY**

Of the thirty-eight (38) Loans reviewed for compliance, all thirty-eight (38) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;92.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.89% |
| &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;**38** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All thirty-eight (38) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% |
| &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;**38** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All thirty-eight (38) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &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").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final <br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**4** |

---

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![](tm268691d1_ex99-1img002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the thirty-eight (38) Loans reviewed, thirty-seven (37) unique Loans had a total of one hundred twenty-one (121) different tape discrepancies across sixteen (16) data fields (some Loans had more than one data delta). The largest variances were found on Note Date, Investor: Total Qualifying Debt Ratio and Decision System where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;38 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;5 | &nbsp;&nbsp;38 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;38 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;18 | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;24 | &nbsp;&nbsp;38 | &nbsp;&nbsp;63.16% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;35 | &nbsp;&nbsp;38 | &nbsp;&nbsp;92.11% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;38 | &nbsp;&nbsp;7.89% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;38 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;38 | &nbsp;&nbsp;7.89% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;38 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;15 | &nbsp;&nbsp;26.67% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**833** | &nbsp;&nbsp;**14.53%** | &nbsp;&nbsp;**38** |

---

14 \| P a g e

![](tm268691d1_ex99-1img002.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17056495.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17056495.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17056495.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17056495.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;12 | &nbsp;&nbsp;31.58% | &nbsp;&nbsp;$5146000.00 | &nbsp;&nbsp;30.17% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;20 | &nbsp;&nbsp;52.63% | &nbsp;&nbsp;$10025895.00 | &nbsp;&nbsp;58.78% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;$1884600.00 | &nbsp;&nbsp;11.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17056495.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;$250000.00 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.37% | &nbsp;&nbsp;$16806495.00 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17056495.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;17 | &nbsp;&nbsp;44.74% | &nbsp;&nbsp;$5937200.00 | &nbsp;&nbsp;34.81% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;$1673000.00 | &nbsp;&nbsp;9.81% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;5 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;$4182295.00 | &nbsp;&nbsp;24.52% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.89% | &nbsp;&nbsp;$857000.00 | &nbsp;&nbsp;5.02% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;$3532000.00 | &nbsp;&nbsp;20.71% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$875000.00 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17056495.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;7 | &nbsp;&nbsp;18.42% | &nbsp;&nbsp;$5611404.00 | &nbsp;&nbsp;32.90% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;23 | &nbsp;&nbsp;60.53% | &nbsp;&nbsp;$8756600.00 | &nbsp;&nbsp;51.34% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;21.05% | &nbsp;&nbsp;$2688491.00 | &nbsp;&nbsp;15.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17056495.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

![](tm268691d1_ex99-1img01.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redacted] | 268 | 268 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 278 | 278 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 287 | 287 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 266 | 266 |  |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 279 | 279 |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redacted] | 295 | 295 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 288 | 288 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 299 | 299 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 284 | 284 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 271 | 271 |  |  | C D | A | A | C D | B | A | A | B |  |
| [Redacted] | 298 | 298 |  |  | C D | A | D | D | A | A | A | A |  |
| [Redacted] | 277 | 277 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 281 | 281 |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redacted] | 301 | 301 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 283 | 283 |  |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 285 | 285 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 296 | 296 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 297 | 297 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 276 | 276 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 267 | 267 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 269 | 269 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 282 | 282 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 292 | 292 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 270 | 270 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 265 | 265 |  |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 272 | 272 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 274 | 274 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 275 | 275 |  |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 286 | 286 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 293 | 293 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 291 | 291 |  |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 289 | 289 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 273 | 273 |  |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 280 | 280 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 294 | 294 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 290 | 290 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 302 | 302 |  |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 300 | 300 |  |  | A | A | A | A | A | A | A | A |  |

---

![](tm268691d1_ex99-1img01.jpg)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| [Redacted] | 287 | 287 |  | 35705139 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. |  | Require updated page [redacted] of appraisal report occupant updated as Vacant however lease agreement signed from [redacted] it should be updated as Tenant |  |  |  | Reviewer Comment (2025-06-05): Received updated appraisal with tenant occupied. Exception Cleared<br>Buyer Comment (2025-06-04): Updated 1004<br>Reviewer Comment (2025-05-29): Property has furniture and does not appear vacant.<br>Buyer Comment (2025-05-29): The appraisal was effective[redacted]. The lease agreement was effective [redacted] which was after the effective date of the appraisal. Please remove condition. | 06/05/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 287 | 287 |  | 35705137 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose certificate provided is not signed and dated by borrower. |  |  |  | Reviewer Comment (2025-06-05): Received Signed business purpose certificate. Exception Cleared<br>Buyer Comment (2025-06-03): BPC | 06/05/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 266 | 266 |  | 35705141 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | DSCR calculation worksheet missing in the file |  |  |  | Reviewer Comment (2025-06-06): Received DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-06-05): DSCR Calculation | 06/06/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 266 | 266 |  | 35705140 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum per state |  |  |  | Buyer Comment (2025-06-04): Acknowledged non material |  |  | 06/04/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 279 | 279 |  | 35705144 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is required by guidelines and was not provided. |  |  |  | Reviewer Comment (2025-06-12): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-06-10): DSCR calc | 06/12/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 295 | 295 |  | 35705145 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 docs provided are signed and dated by borrower on [redacted]; however, note date is [redacted]. Please provide a Final 1003 application signed at closing date. |  |  |  | Reviewer Comment (2025-06-12): Provided.<br>Buyer Comment (2025-06-12): 1003 | 06/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 288 | 288 |  | 35705149 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Required updated DSCR calculation worksheet with DSCR ratio as [redacted], provided worksheet reflects DSCR ratio as [redacted]. Unable to ascertain lender calculations. |  |  |  | Reviewer Comment (2025-06-17): Calculation worksheet provided.<br>Buyer Comment (2025-06-16): DSCR worksheet | 06/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 284 | 284 |  | 35705156 |  | Credit | TRID | Document Error | TRID | Equity of Sold Property was reflected on Closing Disclosure, however missing evidence of sold property. |  | Closing Disclosure and Estimated Closing Statement provided are not signed. Need proof of Refinance so cash back proceeds can be used to qualify. |  |  |  | Reviewer Comment (2025-06-17): Received trust agreement. exception cleared.<br>Buyer Comment (2025-06-16): Trust agreement<br>Reviewer Comment (2025-06-12): Received Final CD OF other REO property Confirmed Cash back amount, however borrower is showing as Trust. Require Trust agreement of [redacted]. Exception Remains<br>Buyer Comment (2025-06-10): CD | 06/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 271 | 271 |  | 35705160 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing in file |  |  |  | Reviewer Comment (2025-06-12): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-06-10): DSCR Calc | 06/12/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redacted] | 271 | 271 |  | 35705161 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Email correspondence provided does not support the Tax amount. Therefore provide Tax certificate that the supports the annual Tax amount as $[redacted]/ $[redacted] monthly. |  |  |  | Reviewer Comment (2025-06-12): Received Tax cert for subject property. Exception Cleared<br>Buyer Comment (2025-06-10): Tax Cert | 06/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redacted] | 271 | 271 |  | 35705162 |  | Credit | Guideline | Guideline Issue | Guideline | Loan product type is ineligible per guidelines. | Product: ___; Amortization Term: ___ | Loan is Ineligible due to executed 4506-C in file. "IRS Form 4506-C is not to be provided in the loan file" for Bank Statement, 1099, and DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]. |  | SitusAMC | Reviewer Comment (2025-06-16): Exception provided.<br>Buyer Comment (2025-06-16): Please downgrade and waive.<br>Buyer Comment (2025-06-16): Exception made by [redacted] We have reviewed and acknowledged the same. |  |  | 06/16/2025 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redacted] | 298 | 298 |  | 35705165 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | EMD deposit receipt is missing in file for $[redacted]. |  |  |  | Reviewer Comment (2025-06-16): Received deposit receipt/withdrawal receipt. exception cleared.<br>Reviewer Comment (2025-06-13): Per Guideline "Earnest-money deposits must be documented with the following:• A copy of the canceled check.<br> • Verification of sufficient funds on deposit in a depository account and/or verification the funds have been withdrawn from the account. Source already verified. Check copy or wire copy still require per Guideline Exception Remains<br>Buyer Comment (2025-06-13): source of funds | 06/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | 298 | 298 |  | 35705166 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing DSCR calculation worksheet reflecting ratio as [redacted], provided document reflects DSCR ratios as [redacted] (DSCR ratio variance due to change in PITIA amount). |  |  |  | Reviewer Comment (2025-06-24): Received DSCR calculation worksheet. exception cleared.<br>Buyer Comment (2025-06-24): Per lender: Hello, the DSCR was validated as [redacted] . The system matches as well. $[redacted]/$[redacted]=[redacted]. I have attached the breakdown. Thank you.<br>Reviewer Comment (2025-06-16): DSCR calculation should reflects $[redacted] / $[redacted] = [redacted] however lender calculated as [redacted]. require updated DSCR calculation.<br>Buyer Comment (2025-06-13): DSCR Worksheet | 06/24/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | 298 | 298 |  | 35705167 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA is required with [redacted] appraisal and was not provided. |  |  |  | Reviewer Comment (2025-06-13): Received CDA. Exception Cleared<br>Buyer Comment (2025-06-13): CDA | 06/13/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | 277 | 277 |  | 35705169 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA letter : as per guide - The Seller must obtain a signed letter from a CPA/Licensed Tax Preparer verifying the following:<br> - The amount of business assets that can be used must correspond to the borrower's percentage of ownership in the business.<br> - The funds are not an advancement of future earnings, cash distribution or a loan.<br> - Withdrawal of the funds will not negatively impact the business |  |  |  | Reviewer Comment (2025-06-23): Received updated Bank statement and 1003 confirmed removed business account and used Stock account. Exception Cleared<br>Buyer Comment (2025-06-20): Updated 1003 removing business funds, adding new funds | 06/23/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 277 | 277 |  | 35705171 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Require Final 1003 application for borrower [redacted]. |  |  |  | Reviewer Comment (2025-06-17): Received signed final 1003 for borrower [redacted]. exception cleared.<br>Buyer Comment (2025-06-16): Executed 1003 | 06/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 277 | 277 |  | 35705172 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Please provide a DSCR calculation worksheet |  |  |  | Reviewer Comment (2025-06-18): DSCR Calculation worksheet received and uploaded accordingly. Exception Cleared.<br>Buyer Comment (2025-06-16): DSCR calculation | 06/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 281 | 281 |  | 35705179 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Required updated tax certificate reflecting Annually amount as $[redacted], however provided document reflects $[redacted]. |  |  |  | Reviewer Comment (2025-06-24): Additional documentation is not required. Cleared.<br>Buyer Comment (2025-06-24): Per Seller : A PCCD on this should not be needed. We have further reviewed with our team. As the borrower is not escrowing for either item, a correction is not required. 1003 was already uploaded previously as well so that should also not be needed. We don't have this issue typically when a change like this was made with other buyers. This is simply a case of the taxes being slightly lower and the loan still qualifies.<br>Reviewer Comment (2025-06-18): Received Updated Tax information of $[redacted]/ $[redacted]. However updated Final 1003, PCCD reflecting the correct Tax amount also updated DSCR calculation worksheet that reflects the updated PITIA and updated ratios. Exception Remains.<br>Buyer Comment (2025-06-16): Updated taxes<br>Reviewer Comment (2025-06-11): Not Tax related document received. Only DSCR calculation and Lender LOX about Real Estate Investor experience. Require tax to Support lender used amount of $[redacted]or $[redacted]. Exception Remains<br>Buyer Comment (2025-06-10): Taxes [redacted] | 06/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 281 | 281 |  | 35705177 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing and is required per Guidelines [redacted] |  |  |  | Reviewer Comment (2025-06-11): Received Calculation worksheet received. Exception cleared<br>Buyer Comment (2025-06-09): DSCR calculation | 06/11/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 281 | 281 |  | 35705178 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | LOX is required for Real Estate Experience of borrower as per guide. |  |  |  | Reviewer Comment (2025-06-11): LOX not require per [redacted] guideline. For experience Fraud report noted other investment properties. Exception Cleared<br>Buyer Comment (2025-06-10): Experience letter | 06/11/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 281 | 281 |  | 35705176 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file for [redacted] |  |  |  | Reviewer Comment (2025-07-02): An Operating Agreement is not required in [redacted]. Cleared.<br>Buyer Comment (2025-07-01): Seller rebuttal stating not required in [redacted]<br>Reviewer Comment (2025-06-27): Received Certification of Reinstatement, however Exception is for Operating agreement. operating agreement is a legal document that outlines the internal rules, structure, and operating procedures for a [redacted]Exception Remains<br>Buyer Comment (2025-06-26): Business revoked and reinstated<br>Reviewer Comment (2025-06-18): Received clarification on operating agreement cert. However We need operating agreement that confirms details on ownership structure, management, member responsibilities, profit/loss distribution, and dissolution procedures. Also the agreement should be executed by the member(s). Exception remains<br>Buyer Comment (2025-06-16): Operating agreement cert | 07/02/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 301 | 301 |  | 35705184 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Appraisal report reflects occupant as Owner. Therefore Updated appraisal report is required to confirm Occupant as Tenant. |  |  |  | Reviewer Comment (2025-07-01): Received updated appraisal with Occupancy as Tenant. Exception Cleared<br>Buyer Comment (2025-06-30): Appraisal | 07/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 283 | 283 |  | 35705187 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Provide updated appraisal report with the correct occupant type as tenant. |  |  |  | Reviewer Comment (2025-07-03): Received Updated appraisal report with Tenant Occupancy. Exception Cleared<br>Buyer Comment (2025-07-02): appraisal addendum reflecting tenant occupied | 07/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 283 | 283 |  | 35705189 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan. |  | Page [redacted] of Appraisal reflects the Occupancy is Owner. |  |  |  | Reviewer Comment (2025-07-03): Received Updated appraisal report with Tenant Occupancy. Exception Cleared<br>Buyer Comment (2025-07-02): Appraisal | 07/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 285 | 285 |  | 35705191 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Report in file disclosed $[redacted]of title insurance coverage; however this is less than the loan amount of $[redacted]. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-07-02): Received updated title commitment report with coverage amount covering the loan amount. Exception cleared<br>Buyer Comment (2025-07-01): title commitment | 07/02/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 285 | 285 |  | 35705193 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance covering a maximum of [redacted] months is required for the subject property is required as per guide. |  |  |  | Reviewer Comment (2025-07-01): Received declaration confirmed Rent loss of [redacted]nths. Exception Cleared<br>Buyer Comment (2025-06-30): hazard insurance policy with [redacted] of rent loss insurance. | 07/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 285 | 285 |  | 35705195 |  | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. |  | Required updated 1008 with correct loan amount of $[redacted] & appraisal amount of $[redacted]. |  |  |  | Reviewer Comment (2025-06-27): Received updated 1008 with correction in loan amount and appraisal value. Exception Cleared<br>Buyer Comment (2025-06-26): Updated 1008 | 06/27/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 285 | 285 |  | 35705196 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | Two full appraisal captured, however initial appraisal is not within [redacted] days from note date hence required updated 442/1004D document for initial appraisal. No CDA in file. |  |  |  | Reviewer Comment (2025-07-02): Received CDA to meet Secondary valuation requirement. 2nd appraisal not require per guideline, therefore CDA used for Requirement. Exception Cleared<br>Buyer Comment (2025-07-01): CDA | 07/02/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 285 | 285 |  | 35705197 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Required most recent [redacted] months proof of rent receipt of $[redacted ]as per guide. |  |  |  | Reviewer Comment (2025-07-01): Lease is Year to year basis and Lease is still valid till [redacted], per guideline [redacted] receipt require if lease is converted to month to month. Exception Cleared<br>Buyer Comment (2025-06-30): per lender | 07/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 276 | 276 |  | 35705202 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Require updated 1008 transmittal summary with correct DTI. Reviewer DTI [redacted]% vs Lender DTI [redacted]%. lender did not include primary residence Housing expenses of $[redacted] into HTI and DTI. |  |  |  | Reviewer Comment (2025-05-20): Received updated 1008 with DTI [redacted]% matching with reviewed DTI. Exception Cleared<br>Buyer Comment (2025-05-20): 1008<br>Reviewer Comment (2025-05-15): Received Updated 1008 however DTI still showing [redacted]where it must be $[redacted]% Exception Remains<br>Buyer Comment (2025-05-15): UW TRANSMITTAL | 05/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 276 | 276 |  | 35705203 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Require letter of explanation with source of funds documentation large deposit into the BOA xxxx [redacted] deposit $[redacted] dated [redacted] |  |  |  | Reviewer Comment (2025-06-04): Documentation in file is sufficient.<br>Buyer Comment (2025-06-04): Email sent per [redacted]: It doesn't appear that it was related to an early withdraw fee being deducted. I will say that I don't see a concern here with the way it was addressed and documented by [redacted]. [redacted] guideline doesn't necessarily require an LOE from the borrower. - Seller must document the source of large deposit is from an acceptable source. Date of deposit is the same date as withdraw. It's documented and makes sense<br>Reviewer Comment (2025-06-02): Received Lender LOX, however Require Borrower LOX confirming the same. Exception Remains<br>Buyer Comment (2025-05-29): Per lender : Large deposit sourced<br>Reviewer Comment (2025-05-20): Received Source of fund which shows closeout amount $[redacted] where as Deposit amount is $[redacted] which is not matching with Closed out amount. Require Further clarification or LOX from borrower. Exception Remains<br>Buyer Comment (2025-05-19): source of funds<br>Reviewer Comment (2025-05-13): Noted $[redacted] check copy already provided. however $[redacted] deposited into BOX [redacted]on [redacted] no source of funds and LOE missing. exception remains.<br>Buyer Comment (2025-05-12): The $[redacted] deposited on [redacted] came from [redacted] (retirement savings plan - [redacted]). Check is in file dated [redacted] ([redacted]). Can you please remove this portion of the exception below and require the $[redacted] source of funds only. | 06/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 276 | 276 |  | 35705204 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please confirm guidelines used to qualify. File contains only [redacted] 1040 and transcript only, unable to ascertain if [redacted] years returns and transcripts required. |  |  |  | Reviewer Comment (2025-05-15): Received [redacted] Transcript for both borrower [redacted] 1040 Transcript Available in the file. Exception Cleared<br>Buyer Comment (2025-05-15): Tax Transcripts | 05/15/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 269 | 269 |  | 35705205 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Borrower: [redacted]: Wage Income is calculated by average monthly income, overtime income is calculated by [redacted] + YTD average income. Have [redacted]tax return, [redacted]transcript, [redacted]transcript returned with no record. |  |  |  | Reviewer Comment (2025-06-11): Received [redacted] 1040 Transcript. Exception Cleared.<br>Buyer Comment (2025-06-10): [redacted] transcript<br>Reviewer Comment (2025-06-04): Received IRS tax refund check however Tax Transcripts / Wage & Income Transcripts for [redacted] is required since the Note date is [redacted] which is post [redacted]. Exception Remains.<br>Buyer Comment (2025-06-03): Lender's response: THE [redacted] TAX TRANSCRIPT ARE NOT READY. HOWEVER, THE BORROWER DID RECEIVE A REFUND FROM THE IRS WHICH MATCHES THE REFUND DUE ON THE TAXT RETURNS. PLEASE SEE THE ATTACHED REFUND CHECK | 06/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 270 | 270 |  | 35705207 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Binder provided in file however, Hazard Insurance Policy missing in file. Unable to verify dwelling coverage. |  |  |  | Reviewer Comment (2025-05-28): Received Hazard Insurance policy Exception Cleared<br>Buyer Comment (2025-05-23): HOI | 05/28/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 265 | 265 |  | 35705211 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. Appraisal report date [redacted] within [redacted] days of note date |  |  |  | Buyer Comment (2025-05-19): Seller acknowledged delivered - LOE - Non-material.<br>Buyer Comment (2025-05-19): LOE |  |  | 05/19/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 265 | 265 |  | 35705213 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Require initial 1003 signed and dated by loan officer and borrower. |  |  |  | Reviewer Comment (2025-05-07): Received Initial 1003 signed by borrower and LO. Exception Cleared<br>Buyer Comment (2025-05-05): 1003 | 05/07/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 265 | 265 |  | 35705215 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require HELOC Agreement from [redacted] [redacted]on REO "[redacted]" to verify the terms of loan to include monthly payment. |  |  |  | Reviewer Comment (2025-05-19): HELOC Statement provided for REO property [redacted] with monthly payment of $[redacted]. Exception cleared<br>Buyer Comment (2025-05-19): HELOC Statement<br>Reviewer Comment (2025-05-08): Received LOE. required HELOC statement to confirm monthly payment of $[redacted] used into DTI. Exception remains.<br>Buyer Comment (2025-05-07): LOE | 05/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 265 | 265 |  | 35705216 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require YTD [redacted] P&L Statement & Balance Sheet for all S/E income streams regardless of whether income was used to qualify per guides. And [redacted] 1065 for [redacted]. |  |  |  | Reviewer Comment (2025-06-02): Received YTD P&L And Balance sheet for all S/E income. sch-C income not reported in [redacted] therefor no P&L and Balance sheet required. Exception Cleared<br>Buyer Comment (2025-05-30): P&L etc<br>Reviewer Comment (2025-05-20): [redacted] start date is [redacted] & [redacted] start date is [redacted], both business are less than [redacted], as per required [redacted] tax returns however required 1065 ([redacted]) for [redacted] and P&L Statement & Balance Sheet for both business. Exception remains.<br>Buyer Comment (2025-05-20): Lender's response: Per our underwriting manager based on the guidelines cited the loan application is not [redacted] from the end of business tax year.<br>Reviewer Comment (2025-05-19): As per Lender correspondence ([redacted]) [redacted] was opened in [redacted] and hit with negative earnings, so no P&L needed, however as per guide P&L, Balance sheet and 1065 ([redacted]) is required for [redacted]. Exception remains<br>Buyer Comment (2025-05-16): Per Lender : tax return and P&L - see comments on attached from our underwriting manager.<br>Reviewer Comment (2025-05-08): [redacted] Self-Employment [ AMF Expanded Full Documentation - Employment and Income Documentation] require<br> 1) Profit and Loss (P&L) Statement(s) and Balance Sheet(s) are also required and need to be signed by the borrower(s). <br> 2) All borrowers owning [redacted]% or more of a business or entity must provide a year-to-date P&L statement and balance<br> sheet for that entity, regardless of whether or not the business income is being used to qualify. This requirement<br> includes all business entities, including those organized as pass-through entities. exception remains.<br>Buyer Comment (2025-05-07): [redacted] and [redacted] Business Returns | 06/02/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 265 | 265 |  | 35705210 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. Appraisal report date [redacted] within [redacted]days of note date |  |  |  | Reviewer Comment (2025-05-19): Previous appraisal is provided dated [redacted] with delivery date of[redacted]. Exception cleared<br>Buyer Comment (2025-05-19): Original appraisals for both conditions. | 05/19/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 272 | 272 |  | 35705219 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | For Borrower: [redacted] require - Employment - [redacted] - VVOE/Third Party verification of Employment within [redacted] business days from note date is missing. |  |  |  | Reviewer Comment (2025-05-27): Received Post close Verification for [redacted], acceptable per guideline. Exception Cleared<br>Buyer Comment (2025-05-22): [redacted] VOE | 05/27/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 272 | 272 |  | 35705221 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing VOE dated within [redacted] of the Note date for [redacted]. VOE provided is dated [redacted]. Business Listing is not dated. |  |  |  | Reviewer Comment (2025-06-09): Received Post close Verification for Business for [redacted] Acceptable per guideline. Exception Cleared<br>Buyer Comment (2025-06-06): VVOE<br>Reviewer Comment (2025-05-30): Received same VVOE and Business entity listing for C-Corp Business "[redacted], whereas Verification is require for S-Crop Business "[redacted]" Exception Remains.<br>Buyer Comment (2025-05-28): Business listing<br>Reviewer Comment (2025-05-27): Received same VVOE and Business entity listing for C-Corp Business "[redacted], whereas Verification is require for S-Crop Business "[redacted]" Exception Remains.<br>Buyer Comment (2025-05-22): S/E verification<br>Reviewer Comment (2025-05-20): Received VVOE and Business listing for [redacted] whereas Business verification require for [redacted] as VOE provided is dated [redacted]. Business Listing is not dated. Exception Remains<br>Buyer Comment (2025-05-19): VOE | 06/09/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 275 | 275 |  | 35705234 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Per LOE with the policy- unable to send an RCE as per Firms policy. |  |  |  | Reviewer Comment (2025-05-30): Coverage up to [redacted]%. Cleared.<br>Buyer Comment (2025-05-30): per lender: Hazard coverage $[redacted] includes an additional $[redacted]% = $[redacted] | 05/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redacted] | 275 | 275 |  | 35705236 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-13): Income documentation provided.<br>Buyer Comment (2025-06-13): Please review | 06/13/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redacted] | 275 | 275 |  | 35705235 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-13): Income documentation provided.<br>Buyer Comment (2025-06-13): Please review | 06/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redacted] | 275 | 275 |  | 35705233 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require CPA Letter to confirm borrower Borrower: [redacted] - [redacted] ownership% since as per bylaws document borrower ownership% is 99[redacted] and as per guidelines if the borrower owns less than [redacted]% of the business, CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership and that the business has been in operation for a minimum of [redacted] years and that the borrower had an ownership interest greater than [redacted]% during that period of time. |  |  |  | Reviewer Comment (2025-06-13): LOX provided<br>Buyer Comment (2025-06-13): LOX<br>Reviewer Comment (2025-06-11): Received CPA, however it confirmed borrower have ownership of [redacted]% since [redacted] which does not cover [redacted] requirement as unable to ascertain borrower had an ownership interest greater than [redacted]% during that period of time. Exception Remains<br>Buyer Comment (2025-06-09): CPA letter<br>Reviewer Comment (2025-06-03): Per guidelines if the borrower owns less than [redacted] % of the business, CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership.<br>Buyer Comment (2025-05-30): Bylaws | 06/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redacted] | 275 | 275 |  | 35705231 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-8 Form must be used as lender is not the same as originating lender. |  |  |  | Reviewer Comment (2025-05-30): Cleared. H-9 is the correct form.<br>Buyer Comment (2025-05-30): Lender response | 05/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | 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 | No |
| [Redacted] | 286 | 286 |  | 35705238 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require Tax Certificate for the Subject property as it is missing. |  |  |  | Reviewer Comment (2025-06-12): Received Title Email confirmation confirming annual estimate tax amount of $[redacted]. Exception Cleared<br>Buyer Comment (2025-06-10): taxes | 06/12/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 286 | 286 |  | 35705239 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require proof of Free and Clear property for [redacted] as it is missing. |  |  |  | Reviewer Comment (2025-06-12): Borrower shared Combined mortgage for Property [redacted], Both has same Parcel Number. therefore Mortgage Payment has been used for Property [redacted] and Considered Free and clear [redacted]. Exception Cleared<br>Buyer Comment (2025-06-10): lox | 06/12/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 291 | 291 |  | 35705246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR [redacted] fail due to missing docs. |  |  |  | Reviewer Comment (2025-06-16): [redacted] exception cleared. | 06/16/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705251 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [ new exception a result of doc received ] Compliance to review for designation re-set. |  |  |  | Reviewer Comment (2025-06-20): All Open ATR Related exception has been cured and cleared. Exception Cleared | 06/20/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705250 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Provide Credit Report within [redacted] of Note date ([redacted]). Credit Report in file was issued [redacted]. Updated report is dated [redacted] but tradelines are unchanged from the [redacted] report. |  |  |  | Reviewer Comment (2025-06-18): Received credit report. exception cleared<br>Buyer Comment (2025-06-18): Credit report<br>Reviewer Comment (2025-06-16): AS per guide AMF requires an industry standard, tri-merge credit report for each borrower. The credit reports must provide<br> merged credit from Experian [redacted], TransUnion(r) and Equifax(r). Credit scores must be requested from each repository. exception remains.<br>Buyer Comment (2025-06-13): Credit refresh<br>Reviewer Comment (2025-06-12): Credit report dated [redacted] is more than [redacted] of Note date. Updated report dated is [redacted] however it is with same tradeline, scores which are reported in [redacted]. Guideline Require Credit report within [redacted] of Note date. Exception Remains<br>Buyer Comment (2025-06-11): Per Lender: Confirming if the suspense is requiring a new credit report pulled/<br>Buyer Comment (2025-06-10): BK Stmt Calc, Narrative, CPA | 06/18/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705249 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2025-06-16): [redacted] exception cleared. | 06/16/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705248 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to (Missing Third Party Verification or CPA Letter). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-20): All Open ATR Related exception has been cured and cleared. Exception Cleared | 06/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705247 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Missing Third Party Verification or CPA Letter for this income source. |  |  |  | Reviewer Comment (2025-06-16): Received CPA letter. exception cleared. | 06/16/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705243 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | CPA letter is required to verify the borrower's business ownership percentage and business has been in operation for a minimum of [redacted] years and that the borrower <br> had an ownership interest greater than [redacted]%. |  |  |  | Reviewer Comment (2025-06-16): Received CPA letter. Exception cleared.<br>Buyer Comment (2025-06-13): CPA LETTER | 06/16/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 291 | 291 |  | 35705242 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Bank statement Income calculation worksheet is missing and required.<br> Business Narrative form is required with description/profile of the business, including the size/scope and operating profile, location(s), number of <br> employees/contractors, estimated cost of goods sold (if any), commercial or retail client base, etc. |  |  |  | Reviewer Comment (2025-06-20): Received income calculation worksheet. Exception Cleared<br>Buyer Comment (2025-06-20): [redacted] updated 1003 1008<br>Buyer Comment (2025-06-20): Income worksheet<br>Reviewer Comment (2025-06-16): Income worksheet provided not matching the [redacted] deposit of income used for qualification. required updated income worksheet. exception remains.<br>Buyer Comment (2025-06-13): BANK STATEMENT - [redacted]<br>Reviewer Comment (2025-06-12): Received CPA letter, Business narrative, however Income worksheet income is not matching with Final 1003 . Additionally for Require [redacted] Statement as provided statement is till [redacted] only. Exception Remains<br>Buyer Comment (2025-06-11): BUSINESS NARRATIVE, BUSINESS BANK STATMENT INCOME CALCULATOR, CPA LETTER | 06/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 289 | 289 |  | 35705255 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per guidelines, a Borrower with no mortgage/rental history is eligible with a satisfactory letter of explanation. Missing Letter of Explanation from borrower regarding no housing expense for [redacted]. |  |  |  | Reviewer Comment (2025-06-19): Received letter of Explanation from borrower confirm Primary Property [redacted] is free and clear. Exception Cleared<br>Buyer Comment (2025-06-18): LOX | 06/19/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 273 | 273 |  | 35705257 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification is missing for [redacted] |  |  |  | Reviewer Comment (2025-06-19): Received Third party verification for [redacted]. Exception Cleared<br>Buyer Comment (2025-06-18): VOE2<br>Buyer Comment (2025-06-18): VOE | 06/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 273 | 273 |  | 35705260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-19): All Open ATR exception has been cleared/Cured. Exception Cleared | 06/19/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redacted] | 273 | 273 |  | 35705261 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-19): All Open ATR exception has been cleared/Cured. Exception Cleared | 06/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 273 | 273 |  | 35705262 |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Evidence of transfer of funds from the donor's account to the borrower's account must be fully documented. |  |  |  | Reviewer Comment (2025-06-19): Received Deposit receipt from Settlement agent confirmed Receipt of gift funds of $[redacted]at disbursement date Exception Cleared. Exception Remains<br>Buyer Comment (2025-06-18): Wire receipt | 06/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 294 | 294 |  | 35705273 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Provided Seller CD for property [redacted] is not executed. Provided executed HUD / CD for [redacted] the proceeds are considered for closing cost and reserve requirement. |  |  |  | Reviewer Comment (2025-07-07): Received Signed Executed seller CD of Sold REO [redacted] Exception Cleared<br>Buyer Comment (2025-07-03): CD | 07/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 294 | 294 |  | 35705274 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust funds are used for Asset depletion Income therefore provided Trust Agreement for [redacted] - [redacted] |  |  |  | Reviewer Comment (2025-07-07): Received Trust agreement for [redacted] - [redacted]. Exception Cleared<br>Buyer Comment (2025-07-03): Trust | 07/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 290 | 290 |  | 35705281 |  | 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. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. E-sign disclosure signed on [redacted] and Application signed on [redacted]. Initial Loan Estimate issued on [redacted] & signed by borrower on [redacted]. |  |  |  | Reviewer Comment (2025-07-10): [redacted]received earliest e-consent.<br>Buyer Comment (2025-07-09): [redacted] Econsent<br>Reviewer Comment (2025-07-08): [redacted]: The eConsent that was provided in the trailing images was also provided in the original loan package. The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted]and acknowledged over [redacted]. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] after application.<br>Buyer Comment (2025-07-03): Econsent | 07/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 302 | 302 |  | 35705283 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Personal Tax Return Extension and Business Tax Return Extension for the year [redacted] already provided in the file. EV2 informational exception and may be waived. |  |  |  | Buyer Comment (2025-07-03): Personal and business extensions in file for [redacted]. [redacted] & [redacted] business returns and personal return in file. Tax Transcripts for personal returns for [redacted ]& [redacted]. |  |  | 07/03/2025 | 2 B |  | [Redacted] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 302 | 302 |  | 35705285 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Require updated Final 1003 as the current Final 1003 reflects 2 identical properties - 1) [redacted Unit #[redacted]2) [redacted] is without any unit number. require confirmation if both the properties are the same; if not require PITIA documentation and information for that property given without unit number. |  |  |  | Reviewer Comment (2025-07-11): Received Address confirmed both address is one the same. Title commitment report noted Mailing address does not have Unit number whereas Legal Address does. Exception Cleared<br>Buyer Comment (2025-07-09): Title. Per lender: Properties are one in the same. Mailing address is without the unit number. Note/Legal is with the unit number. | 07/11/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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![](tm268691d1_ex99-1img01.jpg)

**Valuation Report**

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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** |
| [Redacted] | 268 | 268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 278 | 278 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 287 | 287 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redacted] | 266 | 266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 279 | 279 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 295 | 295 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redacted] | 288 | 288 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 299 | 299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 284 | 284 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 271 | 271 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 298 | 298 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 277 | 277 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.850% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 281 | 281 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 301 | 301 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.700% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 283 | 283 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 285 | 285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 296 | 296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 297 | 297 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 276 | 276 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | 267 | 267 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redacted] | 269 | 269 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 282 | 282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 292 | 292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 270 | 270 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 265 | 265 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.960% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 272 | 272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 274 | 274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.680% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 275 | 275 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 286 | 286 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 293 | 293 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 291 | 291 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 289 | 289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 273 | 273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 280 | 280 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.570% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 294 | 294 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 290 | 290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 302 | 302 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 300 | 300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

![](tm268691d1_ex99-1img01.jpg)

**Data Compare Summary (Total)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 2 | 38 | 5.26% | 38 |
| City | 0 | 38 | 0.00% | 38 |
| State | 0 | 38 | 0.00% | 38 |
| Zip | 2 | 38 | 5.26% | 38 |
| Borrower First Name | 6 | 38 | 15.79% | 38 |
| Borrower Last Name | 5 | 38 | 13.16% | 38 |
| Note Date | 35 | 38 | 92.11% | 38 |
| Original Loan Amount | 5 | 38 | 13.16% | 38 |
| Amortization Term | 1 | 38 | 2.63% | 38 |
| Original Interest Rate | 1 | 38 | 2.63% | 38 |
| Amortization Type | 0 | 38 | 0.00% | 38 |
| Representative FICO | 2 | 38 | 5.26% | 38 |
| Property Type | 5 | 38 | 13.16% | 38 |
| Lien Position | 0 | 38 | 0.00% | 38 |
| Occupancy | 0 | 38 | 0.00% | 38 |
| Purpose | 0 | 38 | 0.00% | 38 |
| # of Units | 0 | 38 | 0.00% | 38 |
| Refi Purpose | 4 | 15 | 26.67% | 38 |
| Original CLTV | 3 | 38 | 7.89% | 38 |
| Original LTV | 3 | 38 | 7.89% | 38 |
| Borrower FTHB | 5 | 38 | 13.16% | 38 |
| Investor: Qualifying Total Debt Ratio | 24 | 38 | 63.16% | 38 |
| Decision System | 18 | 20 | 90.00% | 38 |
| **Total** | **121** | **833** | **14.53%** | **38** |

---

## Exhibit 99.2

**Exhibit 99.2**

![](tm268691d1_ex99-2img01.jpg)

**NARRATIVE**

**HOMES 2026-NQM2**

**By Canopy Financial Technology Partners LLC on March 11, 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

![](tm268691d1_ex99-2img01.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 APCA Resi O4B, LLC or an affiliated company (together, the "Client"). The Review was conducted from August 2025 to January 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of four hundred seventy-two (472) Loans with an aggregate original principal balance of $235,709,362.

**Loan Sampling**

The Client defined the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organization (NRSRO); S&P Global Ratings and Fitch Ratings, Inc.

**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;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &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 |

---

![](tm268691d1_ex99-2img01.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Note Rate | &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 Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &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;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &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 (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

![](tm268691d1_ex99-2img01.jpg)

**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; and/or

· 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. 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:

![](tm268691d1_ex99-2img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

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

· 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.

![](tm268691d1_ex99-2img01.jpg)

**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); and

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

**Business Purpose Validation (when applicable)**

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 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 "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 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 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 the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

![](tm268691d1_ex99-2img01.jpg)

**"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's 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;

(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; and

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

![](tm268691d1_ex99-2img01.jpg)

**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;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;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;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;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;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;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;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;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;ix. HOEPA Disclosures (if applicable); and

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

![](tm268691d1_ex99-2img01.jpg)

&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; and

**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;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;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;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.

![](tm268691d1_ex99-2img01.jpg)

**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).

![](tm268691d1_ex99-2img01.jpg)

· 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; 24-1.1(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" 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.

![](tm268691d1_ex99-2img01.jpg)

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.

![](tm268691d1_ex99-2img01.jpg)

**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 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 value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review 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 a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

![](tm268691d1_ex99-2img01.jpg)

**GRADING COMPONENTS**

**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** | 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** | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

![](tm268691d1_ex99-2img01.jpg)

---

| | |
|:---|:---|
| &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** | 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 with the grading of the Credit, Property/Valuation, and Compliance sections for S&P Global Ratings as follows: 98.52% (465 loans) have an overall grade of "A", and 1.48% (7 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 98.73% (466) mortgage loans reviewed, and 1.27% (6) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 99.58% (470) mortgage loans reviewed, and 0.42% (2) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% (472) mortgage loans reviewed, and 0.00% (0) have a Property/Valuation grade of "B".

![](tm268691d1_ex99-2img01.jpg)

**FINDINGS TABLE**

**REVIEW TABLES – S&P**

---

| | | |
|:---|:---|:---|
| &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;465 | &nbsp;&nbsp;98.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.48% |
| &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;**472** | &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;466 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.27% |
| &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;**472** | &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;470 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.42% |
| &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;**472** | &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;472 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** |

---

![](tm268691d1_ex99-2img01.jpg)

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections for Fitch Ratings, Inc. as follows: 97.03% (458 loans) have an overall grade of "A", and 2.97% (14 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 98.73% (466) mortgage loans reviewed, and 1.27% (6) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 99.58% (470) mortgage loans reviewed, and 0.42% (2) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 98.52% (465) mortgage loans reviewed, and 1.48% (7) have a Property/Valuation grade of "B".

**REVIEW TABLES – Fitch**

---

| | | |
|:---|:---|:---|
| &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;458 | &nbsp;&nbsp;97.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.97% |
| &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;**472** | &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;466 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.27% |
| &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;**472** | &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;470 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.42% |
| &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;**472** | &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 Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;465 | &nbsp;&nbsp;98.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.48% |
| &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;**472** | &nbsp;&nbsp;**100.00%** |

---

![](tm268691d1_ex99-2img01.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;472 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$235709362.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$235709362.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;472 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$235709362.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$235709362.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$420000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$97500.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;107 | &nbsp;&nbsp;22.67% | &nbsp;&nbsp;$63372540.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$1082155.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;73 | &nbsp;&nbsp;15.47% | &nbsp;&nbsp;$35484196.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;238 | &nbsp;&nbsp;50.42% | &nbsp;&nbsp;$95459601.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;50 | &nbsp;&nbsp;10.59% | &nbsp;&nbsp;$39793370.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$235709362.00** |
| &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;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$230000.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;471 | &nbsp;&nbsp;99.79% | &nbsp;&nbsp;$235479362.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$235709362.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;174 | &nbsp;&nbsp;36.86% | &nbsp;&nbsp;$119800552.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;23 | &nbsp;&nbsp;4.87% | &nbsp;&nbsp;$9024907.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;275 | &nbsp;&nbsp;58.26% | &nbsp;&nbsp;$106883903.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$235709362.00** |

---

![](tm268691d1_ex99-2img01.jpg)

**DATA COMPARISON RESULTS**

Of the four hundred seventy-two (472) loan files reviewed, one hundred eighty-three (183) unique loans (38.77% by number) had two hundred seventy-eight (278) tape comparison discrepancies across thirty (30) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;24 | &nbsp;&nbsp;472 | &nbsp;&nbsp;5.08% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp; 472 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;28 | &nbsp;&nbsp;472 | &nbsp;&nbsp;5.93% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;21 | &nbsp;&nbsp;472 | &nbsp;&nbsp;4.45% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;70 | &nbsp;&nbsp;472 | &nbsp;&nbsp;14.83% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;Property Description | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;12 | &nbsp;&nbsp;472 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;5 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;23 | &nbsp;&nbsp;472 | &nbsp;&nbsp;4.87% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;472 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;5 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.06% |
| &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;22 | &nbsp;&nbsp; 472 | &nbsp;&nbsp;4.66% |
| &nbsp;&nbsp;Secondary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.21% |

---

![](tm268691d1_ex99-2img01.jpg)

**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 be construed solely as, statements of opinion and not as statements of fact as to creditworthiness, 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.* 

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| **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** |
| 609560 |  | D A | Closed | FCRE1503 | 2025-08-17 01:02 | 2025-09-10 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO Documents provided - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Counter-The LE provided for xxx is dated xxx while Subject Loan closed xxx - is there an updated CD to verify PITIA for this property? <br> - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. xxx and xxx have not closed yet. Loan Estimates attached.<br> xxx closed xxx. Final CD attached. - Buyer-08/28/2025 <br> Open-Mortgage Statements, prop tax, hoi and hoa are missing for the REO property xxx - Due Diligence Vendor-08/17/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-REO Documents provided - Due Diligence Vendor-09/10/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 609560 |  | D A | Closed | FCRE7497 | 2025-08-18 14:12 | 2025-08-29 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property detail report provided for xxx - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Missing property tax statement for Primary xxx <br> - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Property detail report provided for xxx - Due Diligence Vendor-08/29/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 609560 |  | D A | Closed | FCRE1182 | 2025-08-17 00:49 | 2025-08-29 12:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/17/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 609560 |  | D A | Closed | FCRE2109 | 2025-08-16 23:21 | 2025-08-29 12:46 | 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-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/17/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 609560 |  | D A | Closed | FPRO1244 | 2025-08-14 20:06 | 2025-08-19 07:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/19/2025 <br>Open-Third Party Valuation- CU score is greater than 2.5, desk review required. Desk review ordered. - Due Diligence Vendor-08/15/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/19/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE8712 | 2025-08-11 16:21 | 2025-09-25 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Rent Free Letter provided for B3 & B4 - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/24/2025 <br>Open-Borrowers 3 & 4 show they are paying rent but no amt listed . will need verification amount of rent being paid to add to DTI or correct 1003.<br> - Due Diligence Vendor-08/11/2025 |  | Resolved-Rent Free Letter provided for B3 & B4 - Due Diligence Vendor-09/25/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE4104 | 2025-08-11 16:29 | 2025-09-03 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Per xxx B3-2-10, If the lender has documented reserves that equal at least 90% of the Reserves Required to be Verified per the xxx Underwriting Findings report, no resubmission required. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Per xxx B3-2-10, If the lender has documented reserves that equal at least 90% of the Reserves Required to be Verified per the xxx Underwriting Findings report, no resubmission required. - Buyer-09/02/2025 <br> Counter-Document Uploaded. per xxx, if lender is reducing the total assets by any amount that is not documented and resubmit the loan casefile to xxx - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Per the attached asset worksheet, Required funds are xxx and verified funds are xxx. The deposit of xxx was already backed out of the verified funds. If we also back out the xxx, there are still sufficient funds to close. - Seller-08/26/2025 <br> Open-xxx Large deposit page 960 xxx and xxx pg 952 needs to be accounted for per xxx findings: When depository assets are used to support the amount of funds required and reserves, document that any deposit that exceeds xxx that is being used for the down payment, closing costs, or financial reserves is from an acceptable source<br>- Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Per the attached asset worksheet, Required funds are xxx and verified funds are xxx. The deposit of xxx was already backed out of the verified funds. If we also back out the xxx, there are still sufficient funds to close. - Seller-08/26/2025 | Resolved-Per xxx B3-2-10, If the lender has documented reserves that equal at least 90% of the Reserves Required to be Verified per the xxx Underwriting Findings report, no resubmission required. - Due Diligence Vendor-09/03/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE1316 | 2025-08-11 02:31 | 2025-08-20 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Previously provided - Buyer-08/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE1347 | 2025-08-11 02:31 | 2025-08-20 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Previously provided - Seller-08/19/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Previously provided - Seller-08/19/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE1377 | 2025-08-11 02:31 | 2025-08-20 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Previously provided - Seller-08/19/2025 <br>Open-Borrower 3 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Previously provided - Seller-08/19/2025<br>| Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE1407 | 2025-08-11 02:31 | 2025-08-20 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 4 3rd Party VOE Prior to Close Missing | Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Previously provided - Seller-08/19/2025 <br> Open-Borrower 4 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Previously provided - Seller-08/19/2025<br>| Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903754 |  | D A | Closed | FCRE2109 | 2025-08-11 02:31 | 2025-08-20 12:27 | 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-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Cash flow analysis (form 1084) or equivalent worksheet is required per AUS. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 933349 |  | D A C | Closed | FCRE2000 | 2025-08-11 04:53 | 2025-08-20 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/20/2025 <br> Counter-Missing the Addendum to the Purchase Contract supporting Sales price of xxx - the Contract provided states sales price as xxx - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/19/2025 <br> Open-Purchase Contract is Partial copy. Purchase Price is not matching with the Final CD. Provide the updated sales contract addendum for purchase price. - Due Diligence Vendor-08/11/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 933349 |  | D A C | Closed | FCRE7497 | 2025-08-11 12:35 | 2025-08-20 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO Documents provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Not in our borrowers name - Seller-08/19/2025 <br> Open-missing proof of ownership for these properties listed on 2023 tax returns. nd to verify if properties are sold or will need to include in rental income/loss worksheet<br>xxx<br> xxx<br> xxx<br> xxx<br> xxx - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Not in our borrowers name - Seller-08/19/2025<br>| Resolved-REO Documents provided - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 933349 |  | D A C | Closed | FCOM7070 | 2025-08-11 09:00 | 2025-08-20 07:46 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Settlement Agent is missing | Resolved- - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/19/2025 <br>Open-Final Closing Disclosure last page (5th) page is missing. - Due Diligence Vendor-08/11/2025 |  |  |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 933349 |  | D A C | Closed | FPRO1244 | 2025-08-13 23:42 | 2025-08-18 07:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/18/2025 <br>Open-Third Party Valuation- CU score is greater than 2.5, desk review required. Desk review ordered.<br> - Due Diligence Vendor-08/14/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/18/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 393650 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 737146 |  | D A | Closed | FCRE7497 | 2025-08-22 15:08 | 2025-09-03 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report provided. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br> Open-missing property taxes statement for xxx - Due Diligence Vendor-08/22/2025 |  | Resolved-Property Report provided. - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 280850 |  | D A | Closed | FCRE1186 | 2025-08-11 08:44 | 2025-09-02 07:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 32.06% is less than or equal to AUS DTI of 32.84% - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. The Mortgage was excluded due to another party making the payments. xxx is making the payments. The xxx show that the first mortgage payment is coming out of xxx account - There is no rental income being used to qualify at this time. - Buyer-08/28/2025 <br> Counter-Document Uploaded. File Contains a Property report (page 1105) for xxx, xxx which is also listed on the Final 1003, Mortgage statement located on page 311 and CBR reflects this mortgage lien. AUS shows a total Rent Loss as xxx & Subject Positive Rent income as xxx - Audit review reflects Rent Loss for Subject Property as xxx vs AUS of xxx & (INV) xxx = xxx vs AUS of xxx. Please attached REO worksheet. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/19/2025 <br> Open-Audited DTI of 46.01% exceeds AUS DTI of 32.84% - Origination is excluding PITIA for xxx (pg 311) - Due Diligence Vendor-08/11/2025 |  | Resolved-Audited DTI of 32.06% is less than or equal to AUS DTI of 32.84% - Due Diligence Vendor-09/02/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 280850 |  | D A | Closed | FCRE1333 | 2025-08-11 17:10 | 2025-09-02 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/19/2025 <br>Open-Borrower 1 WVOE Missing Borrower 1 WVOE or equivalent is missing to verify 2 year bonus income history and calculation - Due Diligence Vendor-08/12/2025 |  | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 629738 |  | D A | Closed | FPRO1244 | 2025-08-14 20:06 | 2025-08-18 07:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/18/2025 <br>Open-Third Party Valuation- CU score is greater than 2.5, desk review required. Desk review ordered. - Due Diligence Vendor-08/15/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/18/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 253878 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 135464 |  | C A | Closed | FCRE1000 | 2025-08-19 13:47 | 2025-09-17 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National or Non-U.S. Citizen Indicator | Resolved-Work Authorization form provided from Employer. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/16/2025 <br> Counter-the Employment Authorization card provided is for xxx, the Condition is for Missing employment authorization card for xxx - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/03/2025 <br> Open-Missing employment authorization card for xxx - Due Diligence Vendor-08/19/2025 |  | Resolved-Work Authorization form provided from Employer. - Due Diligence Vendor-09/17/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 704579 |  | B A | Closed | FPRO1498 | 2025-08-11 09:31 | 2025-08-14 13:44 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-Document Uploaded. - Due Diligence Vendor-08/14/2025 <br> Open-Subject loan closed with an approved appraisal waiver with value of xxx. TPR to clear - Due Diligence Vendor-08/12/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/14/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 133949 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 543698 |  | D A | Closed | FCRE7497 | 2025-08-11 07:13 | 2025-08-27 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property reports provided. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/26/2025 <br> Open-. Provide Taxes for properties located at xxx to ensure correct rent loss figures and primary housing payments. - Due Diligence Vendor-08/12/2025 |  | Resolved-Property reports provided. - Due Diligence Vendor-08/27/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 413221 |  | D A | Closed | FCRE6026 | 2025-08-25 10:28 | 2025-09-08 12:11 | Resolved | 1 - Information C A | Credit | Income | Potential Employment/income Issues identified in the file | Resolved-Income worksheet with Breakdown of Wage & OT provided. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/08/2025 <br> Open-Borrowers income per paystub shows borrower is paid xxx= xxx monthly income. Borrower has OT income that can be used but will need breakdown of income for last 2 yrs in order to calculate income correctly. Lender included OT income in total borrowers income w/o breakdown. W/O OT income DTI will be at 51.73%. - Due Diligence Vendor-08/25/2025 |  | Resolved-Income worksheet with Breakdown of Wage & OT provided. - Due Diligence Vendor-09/08/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 413221 |  | D A | Closed | FCRE7497 | 2025-08-25 10:44 | 2025-09-08 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Internet search provided stating no HOA for xxx- Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. No HOA - Buyer-09/05/2025 <br> Open-Missing verification of property tax and HOA (if Applicable) for xxx - Due Diligence Vendor-08/25/2025 |  | Resolved-Internet search provided stating no HOA for xxx - Due Diligence Vendor-09/08/2025 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 460975 |  | C B A | Closed | FPRO7466 | 2025-08-20 18:29 | 2025-08-22 07:29 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Document Uploaded. - Due Diligence Vendor-08/22/2025 <br> Open-AVM confidence score of 84 does not support the minimum value of 90. BPO ordered. - Due Diligence Vendor-08/20/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/22/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 460975 |  | C B A | Closed | FPRO1498 | 2025-08-18 09:04 | 2025-08-20 18:30 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-AVM received. Confidence score not supported. BPO ordered. - Due Diligence Vendor-08/20/2025 <br>Open-Subject loan closed with an approved appraisal waiver - AVM ordered. - Due Diligence Vendor-08/20/2025 |  | Resolved-AVM received. Confidence score not supported. BPO ordered. - Due Diligence Vendor-08/20/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 343780 |  | D A | Closed | FCRE2109 | 2025-08-19 11:10 | 2025-09-03 15:02 | 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-09/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/03/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 796931 |  | D A | Closed | FCRE1325 | 2025-08-11 14:55 | 2025-09-29 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Signed Tax Payer Letter on Letterhead provided. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/29/2025 <br> Counter-We are asking for a CPA letter (which was provided) addressing the "no impact on business from the use of business assets for reserves/down payment." however the Letter that was provided is not on company letter head nor signed and it also does not reflect the CPA license #/information. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-My apologies, I should have provided context. I assumed you are asking for the CPA letter because the borrower is self-employed and you are trying to verify business existence. Therefore, my response it to indicate a CPA letter is not required, other forms of verification are acceptable. What is the need for a CPA letter at all?<br> - Buyer-09/08/2025 <br> Counter-Document Uploaded. the xxx Guides provided is for Verification of Self-Employment, the Condition is for The CPA letter provided is not on company letter head nor signed and it also does it reflect the CPA license #/information. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/05/2025 <br> Counter-The CPA letter provided is not on company letter head nor does it reflect the CPA license #/information. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Provided in original file - Buyer-08/27/2025 <br> Open-Borrower 1 CPA Letter Missing - Missing CPA letter/equivalent analysis to validate no impact on business from the use of business assets for reserves/down payment. - Due Diligence Vendor-08/12/2025 |  | Resolved-Signed Tax Payer Letter on Letterhead provided. - Due Diligence Vendor-09/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 551485 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 240196 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 909691 |  | D A | Closed | FCRE5770 | 2025-08-19 06:53 | 2025-09-03 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/19/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 909691 |  | D A | Closed | FCRE5771 | 2025-08-19 06:53 | 2025-09-03 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-08/19/2025 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 909691 |  | D A | Closed | FCRE5772 | 2025-08-19 06:53 | 2025-09-03 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Credit Report is Missing | Resolved-Borrower 3 Credit Report is not missing. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br>Open-Borrower 3 Credit Report is Missing. - Due Diligence Vendor-08/19/2025 |  | Resolved-Borrower 3 Credit Report is not missing. - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 861894 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 784170 |  | B A | Closed | FPRO1498 | 2025-08-22 12:14 | 2025-08-22 12:25 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-AVM value and FSD score support the waiver value. - Due Diligence Vendor-08/22/2025 <br>Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-08/22/2025 |  | Resolved-AVM value and FSD score support the waiver value. - Due Diligence Vendor-08/22/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 848945 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 414445 |  | D A | Closed | FPRO1244 | 2025-08-13 23:46 | 2025-08-15 09:47 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/15/2025 <br> Open-Third Party Valuation- xxx R&W relief is ineligible, desk review required. Desk review ordered.<br> - Due Diligence Vendor-08/14/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/15/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 189249 |  | D A | Closed | FPRO1244 | 2025-08-14 02:08 | 2025-08-20 08:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/20/2025 <br>Open-Third Party Valuation- CU score is greater than 2.5, desk review required. Desk review ordered.<br> - Due Diligence Vendor-08/14/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/20/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 629746 |  | D A | Closed | FCRE7497 | 2025-08-12 11:31 | 2025-08-29 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided for xxx - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/27/2025 <br> Open-Missing HOI for primary residence xxx - Due Diligence Vendor-08/12/2025 |  | Resolved-HOI Policy provided for xxx - Due Diligence Vendor-08/29/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 629746 |  | D A | Closed | FCRE1157 | 2025-08-12 11:30 | 2025-08-29 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-HOI Policy provided - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/27/2025 <br> Open-Missing HOI for xxx - Due Diligence Vendor-08/12/2025 |  | Resolved-HOI Policy provided - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 533212 |  | D B A C | Closed | FCRE7497 | 2025-08-20 08:50 | 2025-09-03 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-1st page of the Appraisal for xxx provided reflecting xxx per month - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br> Open-MIssing HOA statement to verify PITIA on primary- xxx - Due Diligence Vendor-08/20/2025 |  | Resolved-1st page of the Appraisal for xxx provided reflecting xxx per month - Due Diligence Vendor-09/03/2025 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 533212 |  | D B A C | Closed | FPRO7466 | 2025-08-20 18:59 | 2025-08-20 23:50 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria. Value supports waiver value. - Due Diligence Vendor-08/21/2025 <br> Open-AVM confidence score of 80 does not meet minimum score of 90 - Due Diligence Vendor-08/20/2025 |  | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria. Value supports waiver value. - Due Diligence Vendor-08/21/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 533212 |  | D B A C | Closed | FPRO1498 | 2025-08-19 11:50 | 2025-08-20 19:02 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-AVM received. Confidence score does not meet minimum. BPO ordered. - Due Diligence Vendor-08/20/2025 <br>Open-Subject loan closed with an approved appraisal waiver Validated - Due Diligence Vendor-08/20/2025 <br>Resolved- - Due Diligence Vendor-08/19/2025 |  | Resolved-AVM received. Confidence score does not meet minimum. BPO ordered. - Due Diligence Vendor-08/20/2025 <br>Resolved- - Due Diligence Vendor-08/19/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 256302 |  | D A | Closed | FPRO1244 | 2025-08-14 00:21 | 2025-08-15 09:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/15/2025 <br> Open-Third Party Valuation- xxx R&W relief is ineligible, desk review required. Desk review ordered. - Due Diligence Vendor-08/14/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/15/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 637200 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 944666 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 706438 |  | D A | Closed | FCOM1233 | 2025-08-12 09:05 | 2025-08-25 14:20 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/25/2025 <br>Open-The Final 1003 is Incomplete Provided Final 1003 is Illegible, unable to verify the information properly - Due Diligence Vendor-08/12/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/25/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 976058 |  | D A | Closed | FPRO1244 | 2025-08-21 14:12 | 2025-08-27 10:15 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/27/2025 <br> Open-Third Party Valuation- xxx relief is ineligible, desk review required. Desk review ordered.<br> - Due Diligence Vendor-08/21/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/27/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 451325 |  | D A | Closed | FCRE7497 | 2025-08-13 02:31 | 2025-09-03 09:41 | 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-09/03/2025 <br> Ready for Review-REO xxx at the time of the transaction was not purchase yet. The lender provided the LE which contains the estimated payment and on pg 369 reflects the current dues. The subject property is also in the same community they HOA dues are xxx. The PITIA does not have to be included since the property in question had not been purchased yet. - Buyer-09/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br> Open-Missing HOA Doc for REO Property - xxx - Due Diligence Vendor-08/13/2025 |  |  |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 264799 |  | D A | Closed | FCRE1186 | 2025-08-13 12:41 | 2025-08-29 13:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 45.73% is less than or equal to AUS DTI of 46% - Due Diligence Vendor-08/29/2025 <br> Ready for Review-The DTI is valid at 45.73%. Rent schedule which matches with final URLA The full PITI is xxx of the rent schedule is xxx = xxx - Buyer-08/28/2025 <br> Open-Audited DTI of 49.66% exceeds AUS DTI of 46% need to resubmit to xxx - Due Diligence Vendor-08/13/2025 |  | Resolved-Audited DTI of 45.73% is less than or equal to AUS DTI of 46% - Due Diligence Vendor-08/29/2025<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 264799 |  | D A | Closed | FCRE1316 | 2025-08-13 01:35 | 2025-08-29 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/13/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 264799 |  | D A | Closed | FCRE1347 | 2025-08-13 01:35 | 2025-08-29 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/13/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 238502 |  | C A | Closed | finding-3634 | 2025-08-20 13:51 | 2025-08-29 18:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-08/29/2025 <br> Resolved- - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-The following charges have increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx<br> is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 238502 |  | C A | Closed | finding-3631 | 2025-08-20 13:51 | 2025-08-29 18:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-08/29/2025 <br> Resolved- - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/29/2025 <br> Open-The following charges have increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx<br> is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 |  | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 238502 |  | C A | Closed | finding-3632 | 2025-08-20 13:51 | 2025-08-29 18:39 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-08/29/2025 <br> Resolved- - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-The following charges have increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx<br> is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 570044 |  | C A | Closed | FCRE1479 | 2025-08-20 15:59 | 2025-09-03 09:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Borrower is xxx yrs old and is using 1031 exchange and xxx retirement account that has over xxx vested funds that once the terms of withdraw are received we are ok to proceed. xxx has a rule of thumb that after the age of 59 1/2 withdraws can be done with a 10% penalty fee. - Buyer-09/02/2025 <br> Open-Asset 1 Does Not Meet Guideline Requirements xxx listed for assets and Down payment/ reserves. no terms of withdrawl or proof of withdrawal as these funds are not liquid or available for immediate withdrawal.<br> per xxx findings- If the<br> account allows for withdrawals only in connection with the borrower's employment termination, retirement, or death; or the<br> account does not allow for any type of withdrawal, the retirement asset should not be entered<br> - Due Diligence Vendor-08/20/2025 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-09/03/2025<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 570044 |  | C A | Closed | FCRE7000 | 2025-08-20 15:59 | 2025-09-03 09:22 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Borrower is xxx yrs old and is using 1031 exchange and xxx retirement account that has over xxx vested funds that once the terms of withdraw are received we are ok to proceed. xxx has a rule of thumb that after the age of 59 1/2 withdraws can be done with a 10% penalty fee. - Buyer-09/02/2025 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. xxx listed for assets and Down payment/ reserves. no terms of withdrawl or proof of withdrawal as these funds are not liquid or available for immediate withdrawal.<br> per xxx findings- If the<br> account allows for withdrawals only in connection with the borrower's employment termination, retirement, or death; or the<br> account does not allow for any type of withdrawal, the retirement asset should not be entered<br> - Due Diligence Vendor-08/20/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-09/03/2025<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 632781 |  | D A | Closed | FPRO1244 | 2025-08-14 00:21 | 2025-08-15 09:52 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/15/2025 <br> Open-Third Party Valuation- xxx R&W relief is ineligible, desk review required. Desk review ordered. - Due Diligence Vendor-08/14/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/15/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 771904 |  | D A | Closed | FPRO1244 | 2025-08-21 14:12 | 2025-08-28 06:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/28/2025 <br> Open-Third Party Valuation- CU score is greater than 2.5, desk review required. Desk review ordered.<br> - Due Diligence Vendor-08/21/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/28/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 120220 |  | D A | Closed | FCRE7497 | 2025-08-20 14:18 | 2025-09-06 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-First Payment Letter (escrowed) Final CD (escrowed) & Appraisal for HOA fees provided. - Due Diligence Vendor-09/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/04/2025 <br>Open- missing primary mortgage statement to verify PITIA payment. must show taxes, HOI and HOA if applicable.<br> - Due Diligence Vendor-08/20/2025 |  | Resolved-First Payment Letter (escrowed) Final CD (escrowed) & Appraisal for HOA fees provided. - Due Diligence Vendor-09/06/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 630603 |  | D A | Closed | FCRE5116 | 2025-08-13 07:09 | 2025-09-03 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Est LE for new Primary Purchase (not closed at the time of this Loan) reflecting total PITIA xxx located on page 358 - Due Diligence Vendor-09/03/2025 <br> Ready for Review-xxx does not have any messages for VOM/VOR. Primary is owned by the borrower and accounting for all the PITIA. REO xxx was purchased concurrently, the LE is dated in May of 2025 pg 358 which will be the borrower new primary residence. - Buyer-09/02/2025 <br> Counter-Document Uploaded. Final 1003 states xxx is the borrower's primary purchase located missing documentation/evidence supporting no more than xxx PITIA as used to approved. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Are you referring to the borrower's primary home located at xxx The mortgage is rated on the credit report: Nationstar #xxx.<br>The borrowers are acquiring a new home located xxx, but this would be a new loan so a VOM will not be applicable. - Buyer-08/28/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. . Provide new loan terms for the borrowers primary purchase located at xxx to evidence no more than xxx PITIA as used to approved. - Due Diligence Vendor-08/13/2025 |  | Resolved-Est LE for new Primary Purchase (not closed at the time of this Loan) reflecting total PITIA xxx located on page 358 - Due Diligence Vendor-09/03/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 649807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 660422 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 980281 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 327990 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 558880 |  | C A | Closed | FCRE8201 | 2025-08-22 20:37 | 2025-09-15 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-CPA LOE provided stating The xxx consists of 2 liabilities for construction draws. The company built 2 houses for resale in 2024 and took 2 loans to build the houses. This is typical of a homebuilder, the loans are repaid when the house closes. <br> - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. The borrower is self-employed and builds custom homes. Attached is an email from the CPA which explains the xxx entry in Schedule L, line 17 consists of two xxx construction draws which were used to build properties xxx. The funds were paid in full once the properties were sold.<br>Both properties were sold in xxx. The attached deeds and online property listings reflect the borrower's business (xxx) as the homebuilder and the borrower as the seller. - Buyer-09/12/2025 <br> Open-Missing evidence of sufficient business liquidity in order to exclude mortgages due in 1 year or less of xxx from business income calculation. "other current assets" on schedule L evidence real estate held for sale included as current asset that originator utilized to offset mortgages due. Assets utilized to offset must be liquid per xxx selling guidelines. Final DTI is subject to change if unable to exclude from consideration. - Due Diligence Vendor-08/23/2025 |  | Resolved-CPA LOE provided stating The xxx consists of 2 liabilities for construction draws. The company built 2 houses for resale in 2024 and took 2 loans to build the houses. This is typical of a homebuilder, the loans are repaid when the house closes. <br> - Due Diligence Vendor-09/15/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 993841 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 469614 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 812828 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 661442 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 995604 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 955373 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 659494 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 389111 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 221356 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 321976 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 266366 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 948809 |  | D A | Closed | FCRE7497 | 2025-08-14 12:01 | 2025-08-29 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA breakdown provided - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br> Open-Missing HOA statement for xxx - Due Diligence Vendor-08/14/2025 |  | Resolved-HOA breakdown provided - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 948809 |  | D A | Closed | FPRO1244 | 2025-08-14 15:51 | 2025-08-19 11:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/19/2025 <br> Open-Third Party Valuation- CU score is greater than 2.5, desk review required. Desk review ordered.<br> - Due Diligence Vendor-08/14/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-08/19/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 983240 |  | D A | Closed | FCRE7497 | 2025-08-14 10:57 | 2025-09-10 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/10/2025 <br> Open-Missing HOA dues for Primary res xxx - Due Diligence Vendor-08/14/2025 |  | Resolved-HOA statement provided. - Due Diligence Vendor-09/10/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 983240 |  | D A | Closed | FCRE1441 | 2025-08-14 11:21 | 2025-09-10 09:01 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Updated CBR dated xxx reflects No lates - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. LOE referenced from xxx Mortgage is dated xxx and confirms the late payments were reported in error and are in the process of being corrected with the credit bureaus. The credit report dated xxx, Reference Number xxx and associated with the final disposition of the loan (xxx #28), is updated to reflect no late payments. The credit report has been uploaded - Buyer-09/09/2025 <br> Counter-Missing Updated Credit Supplement reflecting the correction - xxx xxx xxx is dated xxx - Loan closed xxx - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Page 427 addresses the creditor xxx addresses the Credit report error and they will have the borrowers credit report updated for xxx mortgage xxx. - Buyer-08/28/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Borrower has mortgage lates on credit pg 62 xxx Mortgage 1x30 and 2x60 in 2025. no exception in file. per xxxx Guidelines: Loans with excessive prior mortgage delinquencies are not eligible for delivery to xxx. Excessive prior mortgage delinquency is defined as any mortgage tradeline that has one or more 60-, 90-, 120-, or 150-day delinquency reported within the 12 months prior to the credit report date - Due Diligence Vendor-08/14/2025 |  | Resolved-Updated CBR dated xxx reflects No lates - Due Diligence Vendor-09/10/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 477591 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 470944 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 127462 |  | D A | Closed | FCRE2109 | 2025-08-14 01:17 | 2025-09-04 15:23 | 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-09/04/2025 <br>Ready for Review-Document Uploaded. Invalid request - this is a AUS approved loan with a 1008 - Income worksheets are not a salability requirement - Buyer-09/04/2025 <br>Counter-Missing Lender's income worksheet reflecting income breakdowns. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-What is being requested? - Buyer-08/28/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/14/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/04/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $xxx | N/A | N/A | xxx |
| 603289 |  | C A | Closed | FCRE1440 | 2025-08-14 01:45 | 2025-08-29 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent Free Letter from Borrower's employer - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br> Ready for Review-RENT-FREE LETTER Page 632 CONFIRMS THE BRW PRIMARY xxx IS OWNED BY EMPLOYER. - Buyer-08/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . Borrower currently renting and no VOR was provided. - Due Diligence Vendor-08/14/2025 |  | Resolved-Rent Free Letter from Borrower's employer - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $xxx | N/A | N/A | xxx |
| 603289 |  | C A | Closed | FPRO1498 | 2025-08-13 23:59 | 2025-08-14 18:40 | Resolved | 1 - Information C A | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-AVM value and FSD score support waiver value. - Due Diligence Vendor-08/14/2025 <br>Open-Subject loan closed with an approved appraisal waiver Third Party Valuation- Subject closed with an approved appraisal waiver. AVM ordered. - Due Diligence Vendor-08/14/2025 |  | Resolved-AVM value and FSD score support waiver value. - Due Diligence Vendor-08/14/2025<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $xxx | N/A | N/A | xxx |
| 891260 |  | D A | Closed | FCRE7497 | 2025-08-21 11:47 | 2025-09-05 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-1st Mortgage statement (escrowed) for 2nd Lien and LOE stating no HOA fees provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/04/2025 <br> Open-Missing mortgage statements for 1st and 2nd, HOI and HOA if applicable for Primary res xxx- Due Diligence Vendor-08/21/2025 |  | Resolved-1st Mortgage statement (escrowed) for 2nd Lien and LOE stating no HOA fees provided. - Due Diligence Vendor-09/05/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 266463 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 980518 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 979729 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 968114 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 686403 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 862524 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 791708 |  | B A | Closed | FPRO1498 | 2025-08-18 16:35 | 2025-08-18 16:38 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-AVM value and FSD score support the waiver value. - Due Diligence Vendor-08/18/2025 <br>Open-Third Party Valuation- Subject closed with an approved appraisal waiver. AVM ordered.<br> - Due Diligence Vendor-08/18/2025 |  | Resolved-AVM value and FSD score support the waiver value. - Due Diligence Vendor-08/18/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 256053 |  | D A | Closed | FCRE1316 | 2025-08-15 02:36 | 2025-08-29 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Per xxx xxx, the 10 day pre-closing verification can be completed using a paystub dated within 15 days prior to the Note date. - Buyer-08/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/15/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 886380 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 169344 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 131549 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 959697 |  | C A | Closed | FCRE1329 | 2025-08-15 14:37 | 2025-09-08 12:00 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Pension income provided. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/05/2025 <br> Counter-Apologies for the confusion, Missing Pension income docs - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Borrower was qualified with social security and pension income. Looking at LPA items xxx and xxx I don't see any requirements for 2 years of 1099's. - Buyer-08/28/2025 <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided Missing Pension income docs - Due Diligence Vendor-08/15/2025 |  | Resolved-Pension income provided. - Due Diligence Vendor-09/08/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 848007 |  | B A | Closed | FPRO1498 | 2025-08-14 23:47 | 2025-09-16 16:46 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-Subject loan closed with an approved appraisal waiver Document Uploaded. Third Party Valuation- Subject closed with an approved appraisal waiver. AVM ordered.<br> - Due Diligence Vendor-08/15/2025 |  | Resolved-Subject loan closed with an approved appraisal waiver Document Uploaded. Third Party Valuation- Subject closed with an approved appraisal waiver. AVM ordered.<br> - Due Diligence Vendor-08/15/2025<br>|  | Third Party Valuation- Subject closed with an approved appraisal waiver. AVM ordered. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 207222 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 903586 |  | D A | Closed | FCRE1316 | 2025-08-22 11:52 | 2025-09-03 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Provided in original upload - Buyer-09/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/22/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 903586 |  | D A | Closed | FCRE1328 | 2025-08-22 11:52 | 2025-09-03 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Provided in original upload - Buyer-09/02/2025 <br>Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-08/22/2025 |  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 666940 |  | D A | Closed | FCRE1468 | 2025-08-21 12:45 | 2025-09-03 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/02/2025 <br> Open-Asset 2 Missing xxx account xxx statements missing. - Due Diligence Vendor-08/21/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-09/03/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 548338 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 369020 |  | D A | Closed | FCRE1347 | 2025-08-15 09:51 | 2025-08-29 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/15/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/29/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 484549 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 339769 |  | B A | Closed | FPRO1498 | 2025-08-22 12:40 | 2025-08-22 12:41 | Resolved | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Resolved-Document Uploaded. AVM value and FSD Score support the waiver value - Due Diligence Vendor-08/22/2025 <br>Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-08/22/2025 |  | Resolved-Document Uploaded. AVM value and FSD Score support the waiver value - Due Diligence Vendor-08/22/2025<br>|  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 596244 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 414743 |  | D A | Closed | FCRE1316 | 2025-08-22 06:20 | 2025-09-08 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. All of these were previously provided. Borrower has multiple jobs, which one are you missing? Please note xxx does not require one since the have negative income - Buyer-09/05/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/22/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/08/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 925874 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 728036 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 882383 |  | D A C | Closed | FCRE1503 | 2025-09-08 03:38 | 2025-10-02 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-2nd Lien HELOC statement provided. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/01/2025 <br> Counter-The Final 1003 states xxx has 2 Mortgage Liens - Missing Mortgage statement for the "2nd Lien" with xxx with a xxx monthly Payment. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Provided in original loan submission - Buyer-09/24/2025 <br> Open-2nd Mortgage is missing for xxx- Due Diligence Vendor-09/08/2025 |  | Resolved-2nd Lien HELOC statement provided. - Due Diligence Vendor-10/02/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 882383 |  | D A C | Closed | FPRO1136 | 2025-09-08 00:27 | 2025-10-02 08:21 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. please refer to xxx guidelines<br>B4-1.2-05, Requirements for Verifying Completion and Postponed Improvements (06/04/2025) <br> The provided Builder completion is satisfactory - Buyer-10/01/2025 <br> Counter-Document Uploaded. Per xxx Seller Guides (B4-1.2-05, Requirements for Verifying Completion) Appraisal "Subject to" Condition New or proposed construction - completion per plans and specifications - Appraiser: Form 1004D with site visit or Form 1004D with virtual inspection - Borrower and builder: Borrower/builder attestation letter with supporting evidence. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. New Construction - Certificate of Occupancy provided in original submission - Buyer-09/24/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present 1004 D Doc missing in file - Due Diligence Vendor-09/08/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/02/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 266021 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 675379 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 507056 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 976183 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 827109 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841532 |  | D A | Closed | FCRE7497 | 2025-09-29 12:18 | 2025-10-10 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-REO docs for xxx attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property; xxx. - Due Diligence Vendor-09/29/2025 |  | Resolved-REO documents provided. - Due Diligence Vendor-10/10/2025<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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 5.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | 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 |
| 841532 |  | D A | Closed | FCRE5790 | 2025-09-26 03:58 | 2025-10-03 09:10 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Credit refresh report attached. - Due Diligence Vendor-10/03/2025 <br> Counter-Document Uploaded. Per xxx Guidelines: Refresher Credit: Required within 10 days prior to the Consummation date. Credit Refresh report dated xxx and Closing date is xxx (11 days) missing Updated credit refresh report or Approved Lender exception. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Credit refresh dated xxx expired on xxx, which was a Sunday. Closing occurred the following business day, xxx. Can we waive this condition? - Due Diligence Vendor-09/30/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-09/26/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/03/2025<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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 5.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | 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 |
| 783288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 939794 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 116872 |  | C A | Closed | FCOM2340 | 2025-09-29 18:29 | 2025-10-01 11:01 | Resolved | 1 - Information C A | Compliance | TILA | CD: General Form Requirements Not Met | Resolved-Clerical PCCD received - Due Diligence Vendor-10/01/2025 <br> Ready for Review-CD with complete LO info attached. - Due Diligence Vendor-09/30/2025 <br> Open-CD: General Form Requirements Not Met \*\*\*\*\*\*\*\*\*\* xxx, NMLSR ID xxx information is missing from FCD page 5 - Due Diligence Vendor-09/29/2025 |  | Resolved-Clerical PCCD received - Due Diligence Vendor-10/01/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.18% Is Less Than The Guideline Maximum Of 50% 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 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 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 |
| 517687 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 708616 |  | C A B | Closed | FCRE1183 | 2025-09-29 18:06 | 2025-10-01 13:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Corrected Rate Lock provided. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-There is no exception on this file. The LLPA description was mislabeled. This was a re-lock fee, not an exception fee. Correct lock confirmation attached. - Due Diligence Vendor-09/30/2025 <br>Open-Rate Lock pricing reflect an August PROMO for non-QM 0.50 bonus 0.500 Eligibility Exception that was not included in document file. - Due Diligence Vendor-09/29/2025 |  | Resolved-Corrected Rate Lock provided. - Due Diligence Vendor-10/01/2025<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 - Other | N/A | N/A | xxx |
| 708616 |  | C A B | Closed | finding-3634 | 2025-09-29 18:57 | 2025-10-01 10:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event and comment provided are sufficient evidence of a valid event -- transferred appraisal charge did not need to be disclosed, and increase is less than initially disclosed. - Due Diligence Vendor-10/01/2025 <br> Resolved- - Due Diligence Vendor-10/01/2025 <br> Ready for Review-This was a transferred appraisal that we received on xxx at which time we identified that the property type was different and the appraised value was more than estimated value at time of submission. See COC on xxx & xxx with LE redisclosed on xxx. - Due Diligence Vendor-10/01/2025 <br> Open-\*\*\*\*\*\*\*\*\*\* Appraisal charge increased from xxx and final inspection charge increased from xxx. Documentation provided does not support a change of circumstance event pursuant to § 1026.19(e)(3)(iv). ~new information~. It appears that the invoices came in higher than expected, which is not a valid changed circumstance to determine good faith. Please provided information sufficient to establish a changed circumstance. or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 |  | Resolved-COC event and comment provided are sufficient evidence of a valid event -- transferred appraisal charge did not need to be disclosed, and increase is less than initially disclosed. - Due Diligence Vendor-10/01/2025<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 - Other | N/A | N/A | xxx |
| 708616 |  | C A B | Closed | finding-3631 | 2025-09-29 18:57 | 2025-10-01 10:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event and comment provided are sufficient evidence of a valid event -- transferred appraisal charge did not need to be disclosed, and increase is less than initially disclosed. - Due Diligence Vendor-10/01/2025 <br> Resolved- - Due Diligence Vendor-10/01/2025 <br> Ready for Review-See COC uploaded to other condition. - Due Diligence Vendor-10/01/2025 <br> Open-\*\*\*\*\*\*\*\*\*\* Appraisal charge increased from xxx and final inspection charge increased from xxx. Documentation provided does not support a change of circumstance event pursuant to § 1026.19(e)(3)(iv). ~new information~. It appears that the invoices came in higher than expected, which is not a valid changed circumstance to determine good faith. Please provided information sufficient to establish a changed circumstance. or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 |  | Resolved-COC event and comment provided are sufficient evidence of a valid event -- transferred appraisal charge did not need to be disclosed, and increase is less than initially disclosed. - Due Diligence Vendor-10/01/2025<br>|  |  |  | 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 |
| 708616 |  | C A B | Closed | finding-3632 | 2025-09-29 18:57 | 2025-10-01 10:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event and comment provided are sufficient evidence of a valid event -- transferred appraisal charge did not need to be disclosed, and increase is less than initially disclosed. - Due Diligence Vendor-10/01/2025 <br> Resolved- - Due Diligence Vendor-10/01/2025 <br> Ready for Review-See COC uploaded to other condition. - Due Diligence Vendor-10/01/2025 <br> Open-\*\*\*\*\*\*\*\*\*\* Appraisal charge increased from xxx and final inspection charge increased from xxx. Documentation provided does not support a change of circumstance event pursuant to § 1026.19(e)(3)(iv). ~new information~. It appears that the invoices came in higher than expected, which is not a valid changed circumstance to determine good faith. Please provided information sufficient to establish a changed circumstance. or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 |  | Resolved-COC event and comment provided are sufficient evidence of a valid event -- transferred appraisal charge did not need to be disclosed, and increase is less than initially disclosed. - Due Diligence Vendor-10/01/2025<br>|  |  |  | 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 |
| 687752 |  | B A | Closed | FCRE1183 | 2025-09-26 03:45 | 2025-10-02 09:43 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Corrected 1008 provided. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Corrected 1008 attached. - Due Diligence Vendor-10/01/2025 <br>Counter-the 1008 provided reflects income and Ratios however the Loan is a DSCR - Due Diligence Vendor-10/01/2025 <br>Ready for Review-1008 attached - Due Diligence Vendor-09/30/2025 <br>Open-1008/Underwriting Summary Partially Provided Missing complete 1008, top and bottom of current cut off. - Due Diligence Vendor-09/26/2025 |  | Resolved-Corrected 1008 provided. - Due Diligence Vendor-10/02/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 190059 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 920919 |  | D A | Closed | FCRE1764 | 2025-09-29 05:22 | 2025-10-22 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statements provided for xxx(escrowed) xxx(escrowed) xxx (escrowed) - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Mortgage payment history for for REO Properties-xxx attached. - Due Diligence Vendor-10/21/2025 <br> Open-Missing Verification of Mortgage for REO Properties-xxx - Due Diligence Vendor-09/29/2025 |  | Resolved-Mortgage statements provided for xxx (escrowed) xxx (escrowed) xxx (escrowed) - Due Diligence Vendor-10/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 440.25 Are Greater Than The Guideline Minimum Of 6 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 - 9.10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.49% 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 8.16% Is Less Than The Guideline Maximum Of 50% 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 920919 |  | D A | Closed | FCRE7497 | 2025-09-29 05:24 | 2025-10-09 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-REO docs for non-subject properties attached. - Due Diligence Vendor-10/08/2025 <br>Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject properties(all REO properties) - Due Diligence Vendor-09/29/2025 |  | Resolved-REO documents provided. - Due Diligence Vendor-10/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 440.25 Are Greater Than The Guideline Minimum Of 6 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 - 9.10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.49% 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 8.16% Is Less Than The Guideline Maximum Of 50% 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 539188 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 688695 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 475910 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 292543 |  | D A | Closed | FCRE1347 | 2025-10-02 09:28 | 2025-10-06 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/06/2025 <br> Ready for Review-VVOE attached - Due Diligence Vendor-10/03/2025 <br> Open-Borrower 2 (xxx) 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/02/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/06/2025<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 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.68 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.68 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 |
| 747613 |  | C A | Closed | FCRE5790 | 2025-10-01 05:13 | 2025-10-03 09:18 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Refresh report attached. - Due Diligence Vendor-10/03/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report is within 10 days excluding weekends\holidays. - Due Diligence Vendor-10/02/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/03/2025<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 - 15.79 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.79 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 - 16.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 52.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years Borrower At Current Residence For Five (5) Or More Years - 8.67 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.35% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 65.35% 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 | Cash Out - Other | N/A | N/A | xxx |
| 407202 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 589195 |  | 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 |  |  |  |
| 789923 |  | C A | Closed | FCOM1234 | 2025-10-06 12:03 | 2025-10-07 08:17 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Final 1003 attached - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 1 Final Signature Date of xxx is greater than xxx. - Due Diligence Vendor-10/06/2025 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/07/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 52.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 111.06 Are Greater Than The Guideline Minimum Of 3 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 |
| 257787 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 767874 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 628798 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 698553 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 894998 |  | D A | Closed | FCRE5782 | 2025-10-06 11:23 | 2025-10-06 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Credit refresh attached - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Per xxx , refresher Credit Report Required within 10 days prior to consumation date. Crredit Report dated xxx and Closing date is xxx (20 days). Missing updated report or Approved Lender exception. - Due Diligence Vendor-10/06/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/06/2025<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 - 5.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 894998 |  | D A | Closed | FCRE1145 | 2025-10-02 23:17 | 2025-10-06 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Prelim title report attached. - Due Diligence Vendor-10/06/2025 <br>Open-Title Document is missing. - Due Diligence Vendor-10/03/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-10/06/2025<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 - 5.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 396792 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 755435 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 388209 |  | B A | Closed | FCRE1182 | 2025-10-03 03:06 | 2025-10-08 12:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025 <br>Ready for Review-1008 attached - Due Diligence Vendor-10/07/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 916083 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 504711 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 805771 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 590892 |  | D A | Closed | FCRE1316 | 2025-10-03 06:45 | 2025-10-22 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025 <br>Ready for Review-B1 VVOE attached. - Due Diligence Vendor-10/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/03/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 590892 |  | D A | Closed | FCRE1347 | 2025-10-03 06:45 | 2025-10-22 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/22/2025 <br>Ready for Review-B2 VVOE attached. - Due Diligence Vendor-10/21/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/03/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 521823 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 867159 |  | C A | Closed | FCRE1198 | 2025-10-07 08:28 | 2025-10-10 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.1 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-10/10/2025 <br> Ready for Review-See attached VOD and revised URLA showing additional assets.<br>Cash After Closing Calculation: <br> Verified Assets xxx<br> Less Cash Due at Closing xxx<br> Cash After Closing xxx<br> Less Reserves (3 mos PITI) xxx<br> Assets After Reserves xxx - Due Diligence Vendor-10/10/2025 <br> Open-Audited Reserves of 2.84 are less than Guideline Required Reserves of 3 Audited Reserves of 2.84 months are less than Guideline Required Reserves of 3 months. Short @ xxx. - Due Diligence Vendor-10/07/2025 |  | Resolved-Audited Reserves of 3.1 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-10/10/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.53% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 852528 |  | D A C | Closed | FCOM4227 | 2025-10-07 10:41 | 2025-10-09 10:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Initial CD attached - Due Diligence Vendor-10/08/2025 <br>Open-INITIAL CLOSING DISCLOSER IS MISSING.<br> \*\*\*\*\*\*Documentation provided does not contain the INITIAL CLOSING DISCLOUSER IS MISSING. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br>- Due Diligence Vendor-10/07/2025 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-10/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years Borrower At Current Residence For Five (5) Or More Years - 40.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.97 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 - 5.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years |  | 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 |
| 852528 |  | D A C | Closed | FCRE1316 | 2025-10-07 00:38 | 2025-10-09 08:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/09/2025 <br>Ready for Review-VVOE attached. - Due Diligence Vendor-10/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/07/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years Borrower At Current Residence For Five (5) Or More Years - 40.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.97 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 - 5.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years |  | 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 |
| 852528 |  | D A C | Closed | FVAL2477 | 2025-10-08 08:20 | 2025-10-09 08:16 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-LOE from Building Permit Technician, Community Development Department stating, The permit was issued and finale on xxx. This permit is closed out provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-See attached email from city confirming work completed and permit closed. - Due Diligence Vendor-10/08/2025 <br> Open-Appraisal incomplete. Subject property has an ADU that is "close to completion", however, the appraiser indicates the city has yet to sign off. See Supplemental Addendum to Appraisal @ pg 20. - Due Diligence Vendor-10/08/2025 |  | Resolved-LOE from Building Permit Technician, Community Development Department stating, The permit was issued and finale on xxx. This permit is closed out provided. - Due Diligence Vendor-10/09/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years Borrower At Current Residence For Five (5) Or More Years - 40.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.97 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 - 5.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years |  | 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 |
| 956644 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 810580 |  | C A | Closed | FCRE2899 | 2025-10-07 13:21 | 2025-10-10 12:20 | Resolved | 1 - Information C A | Credit | Title | Potential Ownership issues identified in file | Resolved-Corrected Certificate of Loans to One Borrower disclosure provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Corrected form signed by borrower attached. - Due Diligence Vendor-10/09/2025 <br> Open-Per Cerificate of Loans to One Borrower disclosure, borrower indicates "No Other Loans Applied For or Made". However, loan xxx closed @ 5 days prior. Subject disclosure is not valid. - Due Diligence Vendor-10/07/2025 |  | Resolved-Corrected Certificate of Loans to One Borrower disclosure provided. - Due Diligence Vendor-10/10/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 85.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 563212 |  | C A | Closed | FCRE1198 | 2025-10-07 03:43 | 2025-10-13 14:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 40.37 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Borrower received a refund after closing in the amount of xxx, which satisfies the reserve requirement. PCCD uploaded to other condition. - Due Diligence Vendor-10/11/2025 <br> Open-Audited Reserves of 2.73 are less than Guideline Required Reserves of 3 Calculated Reserves of 2.73 months are less than Guideline Required Reserves of 3 months. Short @ xxx. - Due Diligence Vendor-10/07/2025 |  | Resolved-Audited Reserves of 40.37 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-10/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 563212 |  | C A | Closed | FCRE1176 | 2025-10-07 03:19 | 2025-10-13 14:52 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided, Disbursement date is xxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-HOI effective xxx is prior to disbursement date of xxx. PCCD attached. - Due Diligence Vendor-10/11/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-10/07/2025 |  | Resolved-PCCD provided, Disbursement date is xxx - Due Diligence Vendor-10/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 218538 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 135874 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 856998 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 895368 |  | C A | Closed | finding-3532 | 2025-10-08 13:49 | 2025-10-10 09:59 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025 <br> Resolved- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Initial CD issued on xxx with proof of delivery attached. - Due Diligence Vendor-10/09/2025 <br> Open-ICD delivered less than 3 days before consumption date. Please provide proof showing ICD was disclosed 3 days before consummation. - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-10/08/2025 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 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 |
| 895368 |  | C A | Closed | finding-3631 | 2025-10-08 13:49 | 2025-10-10 09:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025 <br> Resolved- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-CD issued on xxx uploaded to other condition. - Due Diligence Vendor-10/09/2025 <br> Open-ICD delivered less than 3 days before consumption date. Please provide proof showing ICD was disclosed 3 days before consummation. - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/08/2025 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  |  | 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 |
| 895368 |  | C A | Closed | finding-3632 | 2025-10-08 13:49 | 2025-10-10 09:59 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025 <br> Resolved- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-CD issued on xxx uploaded to other condition. - Due Diligence Vendor-10/09/2025 <br> Open-ICD delivered less than 3 days before consumption date. Please provide proof showing ICD was disclosed 3 days before consummation. - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/08/2025 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  |  | 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 |
| 895368 |  | C A | Closed | finding-3634 | 2025-10-08 13:49 | 2025-10-10 09:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025 <br> Resolved- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-CD issued on xxx uploaded to other condition. - Due Diligence Vendor-10/09/2025 <br> Open-ICD delivered less than 3 days before consumption date. Please provide proof showing ICD was disclosed 3 days before consummation. - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-10/08/2025 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-10/10/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 76.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  |  | 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 |
| 857409 |  | D A C | Closed | FCRE6911 | 2025-10-24 16:51 | 2025-10-29 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Updated 1008 with Audited DTI provided. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Updated 1008 & 1003 attached. - Due Diligence Vendor-10/28/2025 <br> Open-Audited Income xxx (including the additional 12 months) / REO rent Loss xxx / Other monthly liabilities xxx = Total Monthly Liabilities xxx vs Lenders 1008 of xxx - Audited DTI is 45.32% vs Lenders 39.16% - Due Diligence Vendor-10/24/2025 |  | Resolved-Updated 1008 with Audited DTI provided. - Due Diligence Vendor-10/29/2025<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 857409 |  | D A C | Closed | FPRO1244 | 2025-10-08 13:30 | 2025-10-09 08:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP/SSR CU score of 1 provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-xxx SSR with CU score of 1.0 attached. - Due Diligence Vendor-10/09/2025 <br> Open-3rd Party Valuation Product is Required and Missing. - Due Diligence Vendor-10/08/2025 |  | Resolved-UCDP/SSR CU score of 1 provided. - Due Diligence Vendor-10/09/2025<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 500102 |  | C A | Closed | FCRE1254 | 2025-10-08 13:40 | 2025-10-09 14:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title policy provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Item #8 is not a lien on title. It is a UCC financing statement that does not appear in the final title policy attached. - Due Diligence Vendor-10/09/2025 <br> Open-Property Title Issue , per Title Supplement dated xxx, item #8 (xxx with xxx xxx xxx) to be paid at closing. Per Seller's closing disclosure, other than xxx, no other payoffs shown. - Due Diligence Vendor-10/08/2025 |  | Resolved-Final title policy provided. - Due Diligence Vendor-10/09/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 - 20.70 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.70 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 - 20.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.70 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 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | 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 |
| 604483 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 335254 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 760395 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 599439 |  | C A B | Closed | FCRE1183 | 2025-10-08 10:03 | 2025-10-14 15:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Final 1008 attached. - Due Diligence Vendor-10/13/2025 <br> Open-1008/Underwriting Summary Partially Provided LTV/CLTV/HCLTV, DTI and Income as per 1008 not correct, Need to Re-run 1008 as loan amount shown as xxx vs cloased amount of xxx. - Due Diligence Vendor-10/08/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 64.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 115.46 Are Greater Than The Guideline Minimum Of 6 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 - 9.34 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years |  | 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 |
| 599439 |  | C A B | Closed | finding-47 | 2025-10-08 13:23 | 2025-10-14 08:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-PCCD attached - Due Diligence Vendor-10/13/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period (3 days after closing). - Due Diligence Vendor-10/11/2025 <br> Open- - Due Diligence Vendor-10/11/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 64.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 115.46 Are Greater Than The Guideline Minimum Of 6 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 - 9.34 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years |  | 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 |
| 749036 |  | C A | Closed | FCRE1193 | 2025-10-10 15:02 | 2025-11-03 07:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lease agreements provided - Due Diligence Vendor-11/03/2025 <br> Resolved-Audited DTI of 35.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Lease agreement for xxx attached. - Due Diligence Vendor-10/30/2025 <br> Open-DTI discrepancy (audit 45.19% vs lender 36.29%) due to lack of lease to offset PITIA on rental property. - Due Diligence Vendor-10/10/2025 |  | Resolved-Lease agreements provided - Due Diligence Vendor-11/03/2025 <br>Resolved-Audited DTI of 35.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/03/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 10.33 Years Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.47 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.47 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.06% Is Less Than The Guideline Maximum Of 50% 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 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<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 - 8.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.58 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 575902 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 448720 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 553000 |  | C A | Closed | finding-3712 | 2025-10-11 12:40 | 2025-10-14 07:58 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-PCCD showing disbursement date of xxx attached. - Due Diligence Vendor-10/13/2025 <br> Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*\*Lender to provide confirmation of accurate funding/disbursement date and prepaid interest collected. - Due Diligence Vendor-10/11/2025 <br> Open- - Due Diligence Vendor-10/11/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025<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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.09% Is Less Than The Guideline Maximum Of 50% 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 0.11<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 - 5.73 Years |  | 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 |
| 898023 |  | D A C | Closed | FCRE1178 | 2025-10-09 15:52 | 2025-10-15 11:31 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Post Close HUD provided Disbursement date is xxx - Due Diligence Vendor-10/15/2025 <br> Ready for Review-See Post-Closing HUD1 showing settlement date of xxx uploaded to other condition. - Due Diligence Vendor-10/13/2025 <br> Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx Other Property Insurance Policy (Steadily) Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-10/09/2025 |  | Resolved-Post Close HUD provided Disbursement date is xxx - Due Diligence Vendor-10/15/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 898023 |  | D A C | Closed | FCRE1159 | 2025-10-08 11:28 | 2025-10-15 11:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Post Close HUD provided Disbursement date is xxx - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Post-Closing HUD1 showing settlement date of xxx. - Due Diligence Vendor-10/13/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance (Cal Fair Plan) Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-10/08/2025 |  | Resolved-Post Close HUD provided Disbursement date is xxx - Due Diligence Vendor-10/15/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 898023 |  | D A C | Closed | FCOM3596 | 2025-10-09 15:19 | 2025-10-13 07:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-DOT with all Riders attached. - Due Diligence Vendor-10/10/2025 <br>Open-Prepayment Rider Missing. - Due Diligence Vendor-10/09/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/13/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 346729 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 681775 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 632446 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 338928 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 473288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 553618 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 325947 |  | D A B | Closed | FCRE1183 | 2025-10-08 20:49 | 2025-10-14 10:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Final 1008 attached. - Due Diligence Vendor-10/13/2025 <br>Open-1008/Underwriting Summary Partially Provided, top portion cut off. - Due Diligence Vendor-10/09/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 325947 |  | D A B | Closed | FPRO1242 | 2025-10-08 19:54 | 2025-10-14 10:14 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Appraisal report attached. - Due Diligence Vendor-10/14/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-10/08/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-10/14/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 670232 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 761611 |  | D A C | Closed | finding-3632 | 2025-10-11 14:05 | 2025-10-19 20:14 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/20/2025 <br> Ready for Review- - Due Diligence Vendor-10/20/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Initial CD issued xxx uploaded to other condition. - Due Diligence Vendor-10/13/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-10/11/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/11/2025 <br> Open- - Due Diligence Vendor-10/11/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/20/2025<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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.13 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 - 7.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 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 - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 761611 |  | D A C | Closed | finding-3631 | 2025-10-11 14:05 | 2025-10-19 20:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/20/2025 <br> Ready for Review- - Due Diligence Vendor-10/20/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Initial CD issued xxx uploaded to other condition. - Due Diligence Vendor-10/13/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-10/11/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/11/2025 <br> Open- - Due Diligence Vendor-10/11/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/20/2025<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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.13 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 - 7.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 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 - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 761611 |  | D A C | Closed | FCRE7497 | 2025-10-11 13:13 | 2025-10-14 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO Documents provided. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Property tax bill and insurance for xxx - Due Diligence Vendor-10/13/2025 <br> Open-Missing property tax and HOA statement for xxx. - Due Diligence Vendor-10/11/2025 |  | Resolved-REO Documents provided. - Due Diligence Vendor-10/14/2025<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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.13 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 - 7.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 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 - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.51% 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 |
| 761611 |  | D A C | Closed | finding-3532 | 2025-10-11 14:05 | 2025-10-14 08:14 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Initial CD issued xxx attached. - Due Diligence Vendor-10/13/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-10/11/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-10/11/2025 <br> Open- - Due Diligence Vendor-10/11/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025<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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.13 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 - 7.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 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 - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.51% 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 |
| 761611 |  | D A C | Closed | finding-3634 | 2025-10-11 14:05 | 2025-10-14 08:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Initial CD issued xxx uploaded to other condition. - Due Diligence Vendor-10/13/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-10/11/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-10/11/2025 <br> Open- - Due Diligence Vendor-10/11/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/14/2025<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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.13 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 - 7.71 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 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 - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 884184 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 621789 |  | D A | Closed | FCRE1198 | 2025-10-10 17:26 | 2026-01-07 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.33 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Updated 1003 and additional assets attached. - Due Diligence Vendor-01/06/2026 <br>Open-Audited Reserves of 5.48 are less than Guideline Required Reserves of 6 Audited Reserves of 5.48 month are less than Guideline Required Reserves of 6 months. - Due Diligence Vendor-10/13/2025 |  | Resolved-Audited Reserves of 9.33 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/07/2026<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.58 Years Borrower At Current Residence For Five (5) Or More Years - 19.58 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 0.25 |  | 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 |
| 621789 |  | D A | Closed | FCRE5116 | 2025-10-13 08:23 | 2025-12-09 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Joint credit report showing mtg rating attached. - Due Diligence Vendor-12/09/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VerifHousing payment and history are required on all properties owned by the borrower(s).ication of Mortgage (VOM) Document is Missing. Borrower on title since xxx with no evidence of housing history in file for this cash out refinance. Guidelines indicate housing payment and history are required on all properties owned by the borrower(s). - Due Diligence Vendor-10/13/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-12/09/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.58 Years Borrower At Current Residence For Five (5) Or More Years - 19.58 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 0.25 |  | 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 |
| 822195 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 260380 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 697133 |  | D A | Closed | FCRE1467 | 2025-10-10 11:07 | 2025-10-14 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-10/14/2025 <br>Ready for Review-1031 Exchange documents attached. - Due Diligence Vendor-10/13/2025 <br>Open-Asset 1 Missing , per 1003, proceeds from the sale of - Due Diligence Vendor-10/10/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-10/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 16.00 Years Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 7.76 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.76 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 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 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 775493 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 485443 |  | D A | Closed | FCRE1325 | 2025-10-13 11:14 | 2025-10-14 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/14/2025 <br>Ready for Review-CPA letter stating borrowers are 50%/50% owners attached. - Due Diligence Vendor-10/13/2025 <br>Open-Borrower 1 CPA Letter Missing . - Due Diligence Vendor-10/13/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/14/2025<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.34 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.34 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 45% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) 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 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | 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 |
| 485443 |  | D A | Closed | FCRE1355 | 2025-10-13 11:14 | 2025-10-14 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/14/2025 <br>Ready for Review-CPA letter uploaded to other condition states borrowers are 50%/50% owners. - Due Diligence Vendor-10/13/2025 <br>Open-Borrower 2 CPA Letter Missing. - Due Diligence Vendor-10/13/2025 |  | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/14/2025<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.34 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.34 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 45% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) 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 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  |  | 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 |
| 233302 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 613598 |  | C A | Closed | FCRE1193 | 2025-10-16 13:43 | 2025-10-27 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 with Audited DTI provided - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Updated 1008 & 1003 attached. - Due Diligence Vendor-10/25/2025 <br>Open-DTI discrepancy (audit 44.62% vs lender 33.51%) due to Lender reduced P&L by 33.4% vs only giving eligible income of 33.4% ownership. - Due Diligence Vendor-10/16/2025 |  | Resolved-Updated 1008 with Audited DTI provided - Due Diligence Vendor-10/27/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 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 |
| 691298 |  | C A | Closed | FCRE1176 | 2025-10-15 22:00 | 2025-10-17 13:46 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD Disbursement date is xxx - Due Diligence Vendor-10/17/2025 <br> Ready for Review-See PCCD showing disbursement date of xxx. - Due Diligence Vendor-10/16/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx . - Due Diligence Vendor-10/16/2025 |  | Resolved-PCCD Disbursement date is xxx - Due Diligence Vendor-10/17/2025 | 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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx | 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 |
| 652500 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 493499 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 266681 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 303416 |  | 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 |  |  |  |
| 720492 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 439855 |  | 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 |  |  |  |
| 845628 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 556142 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 587667 |  | D A | Closed | FCRE6019 | 2025-10-16 01:19 | 2025-10-20 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-B1 PRA card provided - Due Diligence Vendor-10/20/2025 <br> Ready for Review-B1's PRA card attached. - Due Diligence Vendor-10/17/2025 <br> Counter-the condition is for the Primary Borrower xxx PRA card. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Green card attached. This was included in original upload pgs 44-45. Please rescind condition. - Due Diligence Vendor-10/16/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 documentation for allowed "permanent residency". TPR reviewed file and documentation is not in file. US Patriot Act under doc pg #178 does not verify the card either - Due Diligence Vendor-10/16/2025 |  | Resolved-B1 PRA card provided - Due Diligence Vendor-10/20/2025<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 0.11<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 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 - 5.20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.19 Are Greater Than The Guideline Minimum Of 3 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 |
| 587667 |  | D A | Closed | FCRE7810 | 2025-10-16 10:03 | 2025-10-17 13:33 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Warranty Deed provided. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Warranty Deed from xxx attached. - Due Diligence Vendor-10/17/2025 <br> Open-Loan is missing the required Warranty Deed from xxx - Due Diligence Vendor-10/16/2025 |  | Resolved-Warranty Deed provided. - Due Diligence Vendor-10/17/2025<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 0.11<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 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 - 5.20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.19 Are Greater Than The Guideline Minimum Of 3 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 |
| 152911 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 248898 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 861309 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 705999 |  | C A | Closed | FCOM7213 | 2025-10-16 15:05 | 2025-10-23 10:55 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Mortgage Riders incomplete / inaccurate | Resolved-Corrected PPP to note provided - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Corrected PP Note Addendum attached. - Due Diligence Vendor-10/22/2025 <br> Open-Prepayment Rider to Mortgage reflects a 3-year prepayment term at 5%, however, the Prepayment Addendum to Note reflects a 3-years prepayment term at "N/A-%". - Due Diligence Vendor-10/16/2025 |  | Resolved-Corrected PPP to note provided - Due Diligence Vendor-10/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 25.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Borrower At Current Residence For Five (5) Or More Years - 27.00 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 90.71 Are Greater Than The Guideline Minimum Of 3 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 |
| 577969 |  | 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 |  |  |  |
| 391809 |  | D A | Closed | FCRE1316 | 2025-10-17 08:23 | 2025-10-22 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Verbal VOE attached. - Due Diligence Vendor-10/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/17/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.86% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More. Calculated DTI Of 26.86% Is Less Than The Guideline Maximum Of 49% 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 | Second Home | Purchase | NA | N/A | N/A | xxx |
| 391809 |  | D A | Closed | FCRE1201 | 2025-10-17 08:18 | 2025-10-20 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Fraud report attached. - Due Diligence Vendor-10/17/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-10/17/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.86% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More. Calculated DTI Of 26.86% Is Less Than The Guideline Maximum Of 49% 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 | Second Home | Purchase | NA | N/A | N/A | xxx |
| 261732 |  | D A | Closed | FVAL1310 | 2025-10-16 08:41 | 2025-10-22 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-HOA questionnaire attached. - Due Diligence Vendor-10/21/2025 <br> Counter-Missing xxx CPM form showing Condo is approved. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Condo Project is HUD approved. - Due Diligence Vendor-10/17/2025 <br> Open-HOA Questionnaire Document status is Missing. HOA Questionnaire is Missing. - Due Diligence Vendor-10/16/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-10/22/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 524389 |  | D A | Closed | FCOM3596 | 2025-10-17 10:03 | 2025-10-19 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/19/2025 <br>Ready for Review-PP Note Addendum attached. - Due Diligence Vendor-10/17/2025 <br>Open-Prepayment Addendum to Note Missing. - Due Diligence Vendor-10/17/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/19/2025<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 602631 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 670333 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 970276 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 896638 |  | C A | Closed | finding-3712 | 2025-10-23 09:49 | 2025-10-27 08:17 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-Per Diem Interest refund provided - Due Diligence Vendor-10/27/2025 <br> Ready for Review-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Cure docs attached. - Due Diligence Vendor-10/24/2025 <br> Counter-\*\*\*Received LOE and PCCD. Original finding has been resolved. Per LOE, true and correct disbursement date is xxx, loan has failed the xxx Per Diem test. PCCD indicates a disbursement date of xxx and LOE advises loan was disbursed on xxx with 2 days of Per diem credit is insufficient. Loan appears to be failing for an additional day of interest. - Due Diligence Vendor-10/23/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-10/23/2025 |  | Resolved-Per Diem Interest refund provided - Due Diligence Vendor-10/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 52.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 14.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 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 |
| 896638 |  | C A | Closed | finding-47 | 2025-10-20 02:45 | 2025-10-23 09:49 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Explanation for escrow credit to borrower for 2 days interest attached. - Due Diligence Vendor-10/23/2025 <br> Counter-\*\*\*Received Pccd. Section C contains an "Escrow Cure 2 days Interest" for - xxx. Is this a credit going to the borrower? Lender to provide explanation to clarify. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-PCCD attached. - Due Diligence Vendor-10/21/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The funding date is before the third business day following consummation. Please provide PCCD after rescission period - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/20/2025 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 52.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 14.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 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 |
| 819349 |  | C A | Closed | finding-47 | 2025-10-20 12:01 | 2025-10-22 10:34 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-10/22/2025 <br> Ready for Review-PCCD attached - Due Diligence Vendor-10/21/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/20/2025 |  | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-10/22/2025<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 Mor<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More<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<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower has Owned Subject Property Greater than Five (5) Years - Borrower has Owned Subject Property Greater than Five (5) Year |  | 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 |
| 160276 |  | D A C | Closed | FCRE1157 | 2025-10-20 09:26 | 2025-11-09 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-HOI Policy provided - Due Diligence Vendor-11/09/2025 <br> Ready for Review-EOI for xxx attached. - Due Diligence Vendor-11/08/2025 <br> Open-Hazard Insurance Policy is Missing for rental property located at xxx. - Due Diligence Vendor-10/20/2025 |  | Resolved-HOI Policy provided - Due Diligence Vendor-11/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 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 - 13.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 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 - 13.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 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 |
| 160276 |  | D A C | Closed | finding-47 | 2025-10-20 05:27 | 2025-10-23 10:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-10/23/2025 <br> Resolved- - Due Diligence Vendor-10/23/2025 <br> Ready for Review-PCCD attached. - Due Diligence Vendor-10/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*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. - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/20/2025 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-10/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 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 - 13.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 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 - 13.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 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 |
| 160276 |  | D A C | Closed | FCRE5790 | 2025-10-19 23:31 | 2025-10-22 14:40 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Credit refresh attached. - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note = xxx, GAP credit = xxx. - Due Diligence Vendor-10/20/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/22/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 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 - 13.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 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 - 13.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 | Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). | 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 |
| 160276 |  | D A C | Closed | FCRE5791 | 2025-10-19 23:31 | 2025-10-22 14:40 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Credit refresh uploaded to other condition. - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note = xxx, GAP credit = xxx. - Due Diligence Vendor-10/20/2025 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-10/22/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.12 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 - 13.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 64.37 Are Greater Than The Guideline Minimum Of 9 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 - 13.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 | Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). |  | 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 |
| 597979 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 816127 |  | D A | Closed | FCRE1480 | 2025-10-21 12:50 | 2025-10-29 14:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Asset Documentation for xxx attached. - Due Diligence Vendor-10/28/2025 <br> Open-Asset 2 Less Than 2 Months Verified Borrowers funds of xxx USD, there is no asset statement that matches that amount. need 30 day asset statement - Due Diligence Vendor-10/21/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 816127 |  | D A | Closed | FCRE8639 | 2025-10-21 12:49 | 2025-10-22 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Guaranty Agreement attached. - Due Diligence Vendor-10/21/2025 <br>Open-Personal Guaranty is Missing. Personal Guaranty is Missing - Due Diligence Vendor-10/21/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-10/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 116735 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 975152 |  | D A | Closed | FCRE1748 | 2025-10-21 06:32 | 2025-10-22 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved- - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Occupancy Certification attached. - Due Diligence Vendor-10/21/2025 <br>Open-Business Purpose Occupancy Certificate Missing. - Due Diligence Vendor-10/21/2025 |  |  | 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 - 6.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 716108 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 202127 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 377336 |  | D A | Closed | FCRE1157 | 2025-10-21 06:30 | 2025-10-24 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Insurance dec page attached. - Due Diligence Vendor-10/23/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-10/21/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 48.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 26.23% Is Less Than The Guideline Maximum Of 50% 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 620 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 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 |
| 950712 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 675761 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 657612 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 748517 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 652948 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 703149 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 873286 |  | C A | Closed | FVAL9739 | 2025-10-22 19:44 | 2025-10-29 09:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Corrected Appraisal and updated 1008 provided - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Updated 1008 & appraisal attached. - Due Diligence Vendor-10/28/2025 <br> Open-1008 reflects property is a PUD, however, the appraisal reflects as a detached single-family with no HOA fees. Legal docs reflect PUD. The 1008 also reflects an appraised amount of xxx, which does not match the subject appraisal value of xxx. - Due Diligence Vendor-10/23/2025 |  | Resolved-Corrected Appraisal and updated 1008 provided - Due Diligence Vendor-10/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) 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<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum.<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points<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<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 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 |
| 853638 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 684999 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 326091 |  | D A | Closed | FCRE1333 | 2025-10-24 01:42 | 2025-10-30 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-10/30/2025 <br>Ready for Review-WVOE attached. - Due Diligence Vendor-10/29/2025 <br>Open-Borrower 1 WVOE Missing. - Due Diligence Vendor-10/24/2025 |  | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-10/30/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 326091 |  | D A | Closed | FCRE7000 | 2025-10-24 02:35 | 2025-10-28 10:12 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Updated 1003 showing correct gift funds, PCCD and final closing statement attached.<br>Gift of equity is xxx , gift xxx, bwr own funds xxx = total xxx <br> Settlement statement shows final funds in was xxx.<br>- Due Diligence Vendor-10/24/2025 <br> Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Amount listed on 1003 reflects xxx gift of equity and xxx gift. Gift letters total xxx gift of equity and xxx gift. - Due Diligence Vendor-10/24/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-10/28/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 445069 |  | 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 |  |  |  |
| 208135 |  | C A | Closed | FCRE1193 | 2025-10-24 13:17 | 2025-10-27 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 with Audited DTI provided - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Updated 1008 & 1003 attached. - Due Diligence Vendor-10/24/2025 <br>Open-Document Uploaded. - Due Diligence Vendor-10/24/2025 <br>Open-DTI discrepancy (audit 29.07% vs lender 20.58%) due to lender not including all properties in the schedule of reo as some properties showing deceased spouse name on mortgage statements, however, policies do reflect subject bor. See attached worksheet. - Due Diligence Vendor-10/24/2025 |  | Resolved-Updated 1008 with Audited DTI provided - Due Diligence Vendor-10/27/2025<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 - 34.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.81 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 29.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.81% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 49.81% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<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 - 34.82 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.82 Years |  | 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 |
| 629923 |  | C A | Closed | finding-47 | 2025-10-24 09:21 | 2025-10-27 09:49 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025 <br>Resolved- - Due Diligence Vendor-10/27/2025 <br>Ready for Review-PCCD attached - Due Diligence Vendor-10/25/2025 <br>Open-\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 15.06 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.06 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 - 15.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.05 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 41.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 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 |
| 461642 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 514438 |  | C A | Closed | finding-47 | 2025-10-24 12:55 | 2025-10-30 08:36 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025 <br>Resolved- - Due Diligence Vendor-10/30/2025 <br>Ready for Review-PCCD attached. - Due Diligence Vendor-10/29/2025 <br>Open-\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/28/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 61.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 - 12.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.88 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 50.88 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.83 Years Borrower At Current Residence For Five (5) Or More Years - 19.83 Years |  | 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 |
| 708505 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 437639 |  | C A | Closed | FCRE1167 | 2025-10-28 08:07 | 2025-11-04 10:25 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Master HOA Policy attached. - Due Diligence Vendor-11/03/2025 <br> Counter-Missing Master Policy from loan file. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Property is an end unit of an attached PUD. Master insurance policy covers xxx in Property coverage. HO6 covers walls-in. - Due Diligence Vendor-10/29/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/04/2025<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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 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 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 1.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 | Purchase | NA | N/A | N/A | xxx |
| 918416 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 190535 |  | D A | Closed | FCRE7497 | 2025-10-28 11:27 | 2025-10-30 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA internet lookup provided. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-xxx listing showing xxx HOA for xxx and xxx HOA for xxx. - Due Diligence Vendor-10/29/2025 <br> Open-Missing verification of HOA fees for non-subject property; xxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-HOA internet lookup provided. - Due Diligence Vendor-10/30/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 7.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.59 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 620 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points<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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 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 |
| 226998 |  | D A | Closed | FCRE1167 | 2025-10-28 06:08 | 2025-11-14 09:29 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/14/2025 <br> Ready for Review-RCE attached - Due Diligence Vendor-11/13/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided. Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 1.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 226998 |  | D A | Closed | FCRE2109 | 2025-10-28 06:28 | 2025-10-30 08:09 | 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-10/30/2025 <br> Ready for Review-Bank statement worksheet referenced on 1008 attached:<br>Income:<br> [xxx] [12 months Bank Statements/Refer to Income worksheet]<br> Qualifying Income - xxx (CPA letter confirms borrower has 55% ownership of business) - Due Diligence Vendor-10/29/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Calcuation Worksheet\Bank Statement Summary. - Due Diligence Vendor-10/28/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 1.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 137220 |  | C B A | Closed | finding-3551 | 2025-11-10 08:29 | 2025-11-10 08:39 | Cured | 1 - Information C A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Cured-More than 60 days from consummation but within 60 days of discovery (TILA 130(b) Correction) 1. Letter of Explanation (other evidence of borrower notification of the error will be considered) 2. Proof of Refund or Principal Reduction<br> 3. Corrected PCCD or detailed LOE re-disclosing correct information 4. Proof of Delivery has been provided - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 |  | Cured-More than 60 days from consummation but within 60 days of discovery (TILA 130(b) Correction) 1. Letter of Explanation (other evidence of borrower notification of the error will be considered) 2. Proof of Refund or Principal Reduction<br> 3. Corrected PCCD or detailed LOE re-disclosing correct information 4. Proof of Delivery has been provided - Due Diligence Vendor-11/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  |  | 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 |
| 137220 |  | C B A | Closed | finding-3634 | 2025-10-31 11:24 | 2025-11-10 08:36 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/10/2025 <br> Resolved- - Due Diligence Vendor-11/10/2025 <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 xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Cure docs uploaded to other condition - Seller-11/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been either added or increased: Discount points increased from xxx disclosed on xxx to xxx. Please provide COC event details dated within 3 days of additional/increased charges. ~~~~~~ Appraisal charge increased from xxx Appraisal is issued xxx and signed by the appraisers on xxx, however the charge was not disclosed to the borrower until xxx(COC timing violation) resulting in a 0% tolerance cure in the amount of xxx. P ___% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 | Ready for Review-Cure docs uploaded to other condition - Seller-11/08/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  |  | 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 |
| 137220 |  | C B A | Closed | finding-3631 | 2025-10-31 11:24 | 2025-11-10 08:36 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/10/2025 <br> Resolved- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Cure docs uploaded to other condition - Buyer-11/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been either added or increased: Discount points increased from $0.00 disclosed on xxx to xxx. Please provide COC event details dated within 3 days of additional/increased charges. ~~~~~~ Appraisal charge increased from xxx to xxx Appraisal is issued xxx and signed by the appraisers on xxx, however the charge was not disclosed to the borrower until xxx (COC timing violation) resulting in a 0% tolerance cure in the amount of xxx. P ___% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  |  | 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 |
| 137220 |  | C B A | Closed | finding-3632 | 2025-10-31 11:24 | 2025-11-10 08:36 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/10/2025 <br> Resolved- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Cure docs uploaded to other condition - Seller-11/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been either added or increased: Discount points increased from $0.00 disclosed on xxx to xxx. Please provide COC event details dated within 3 days of additional/increased charges. ~~~~~~ Appraisal charge increased from xxx to xxx Appraisal is issued xxx and signed by the appraisers on xxx, however the charge was not disclosed to the borrower until xxx (COC timing violation) resulting in a 0% tolerance cure in the amount of xxx. P ___% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 | Ready for Review-Cure docs uploaded to other condition - Seller-11/08/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  |  | 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 |
| 137220 |  | C B A | Closed | finding-3652 | 2025-10-31 11:24 | 2025-11-10 08:31 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-11/10/2025 <br> Resolved- - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Cure docs attached. - Seller-11/08/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).\*\*\*\*\*\*\*\*\*\*\* Lender credit disclosed in the amount of xxx on xxx, was removed on xxx and on Final Closing Disclosure issued xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Cure docs attached. - Seller-11/08/2025<br>| Resolved- - Due Diligence Vendor-11/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | 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 |
| 664976 |  | 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 |  |  |  |
| 340394 |  | C B A | Closed | finding-2962 | 2025-11-05 09:54 | 2025-11-21 10:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxx AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-11/21/2025 <br> Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established<br> - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Proof of appraisal delivery 3 days prior to consummation. - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open-Ø \*\*\*Unable to determine if loan is HPML Compliant. 1026.35(c)(6)(ii)(a). Lender to provide: Evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation. - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open-This loan failed the xxx AB 260 higher-priced mortgage loan test. (xxx AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.While the xxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-11/05/2025 |  | Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established<br> - Due Diligence Vendor-11/06/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | 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 |
| 340394 |  | C B A | Closed | finding-3352 | 2025-11-05 09:54 | 2025-11-21 10:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-11/21/2025 <br>Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established<br> - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Proof of appraisal delivery to borrower at least 3 days prior to consummation uploaded to other condition. - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 <br>Open-Ø \*\*\*Unable to determine if loan is HPML Compliant. 1026.35(c)(6)(ii)(a). Lender to provide: Evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation. - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-11/05/2025 |  | Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established<br> - Due Diligence Vendor-11/06/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  |  | 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 |
| 340394 |  | C B A | Closed | finding-3634 | 2025-11-05 09:54 | 2025-11-21 10:50 | Cured | 2 - Non-Material A B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-PCCD, LOE, copy of refund check and proof of mailing attached. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx for Appraisal review fee added Post Consummation is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/06/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | 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 |
| 340394 |  | C B A | Closed | finding-3632 | 2025-11-05 09:54 | 2025-11-21 10:50 | Resolved | 1 - Information A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-PCCD, LOE, copy of refund check and proof of mailing uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx for Appraisal review fee added Post Consummation is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/06/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  |  | 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 |
| 340394 |  | C B A | Closed | finding-1458 | 2025-11-05 09:54 | 2025-11-21 10:50 | Resolved | 1 - Information A | Compliance | State Reg | xxx Prohibited Fees Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-PCCD, LOE, copy of refund check and proof of mailing uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*f xxx for Appraisal review fee is prohibited - Due Diligence Vendor-11/06/2025 <br> Open-This loan failed the prohibited fees test.The loan charges a prohibited fee based on one or more the following findings:The loan charged more than one appraisal fee. (xxx Fin. Code §22317)The loan charged more than one automated valuation model fee or both an appraisal fee and an automated valuation model fee. (xxx Fin. Code §22317.2)The lender collected an "unreasonable" escrow or escrow related fee. The fee shall be considered "reasonable" when paid to a person licensed or exempt under the Escrow Law (xxx Fin. Code §17000). (xxx Fin. Code §22318)The lender retained any statutory fees to be paid to a public officer. (10 CCR §1457)The lender retained the notary fee. (10 CCR §1458) - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  |  | 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 |
| 340394 |  | C B A | Closed | finding-3631 | 2025-11-05 09:54 | 2025-11-21 10:50 | Cured | 2 - Non-Material A B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-PCCD, LOE, copy of refund check and proof of mailing uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/05/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx for Appraisal review fee added Post Consummation is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  |  | 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 |
| 340394 |  | C B A | Closed | FCRE1194 | 2025-11-05 12:30 | 2025-11-14 11:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: Declining Market exception to proceed with 75% LTV - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Exception approval attached. - Due Diligence Vendor-11/13/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV 70% due to declining market. Cash out 75%; 5% ltv reduction declining market. - Due Diligence Vendor-11/05/2025 |  | Waived-Exception granted with supporting comp factors: Declining Market exception to proceed with 75% LTV - Due Diligence Vendor-11/14/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years | • High FICO: xxx<br> • Low DTI: 23.65%<br> • Cash-Out Refinance: Paying off 1st and 2nd liens | 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 | Originator Pre-Close | Yes | xxx |
| 340394 |  | C B A | Closed | FPRO1136 | 2025-11-05 11:12 | 2025-11-06 10:09 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-11/06/2025 <br>Ready for Review-The 1004D was uploaded with the initial loan package. Attached here for easy reference. Please rescind condition. - Due Diligence Vendor-11/06/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-11/05/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-11/06/2025<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 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 - 9.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | 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 |
| 419420 |  | C A | Closed | FCRE1726 | 2025-11-04 16:28 | 2025-11-06 12:17 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Valid Drivers License provided. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Valid photo ID attached. - Due Diligence Vendor-11/06/2025 <br> Open-Borrower Identity is Expired. Patriot act shows photo ID expired xxx - Due Diligence Vendor-11/04/2025 |  | Resolved-Valid Drivers License provided. - Due Diligence Vendor-11/06/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.24% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 56.24% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 81.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 403684 |  | 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 |  |  |  |
| 222995 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 272408 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 224333 |  | 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 |  |  |  |
| 478244 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 840639 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 532090 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 265857 |  | C A | Closed | FCRE1479 | 2025-11-07 05:02 | 2025-11-11 15:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Gift funds xxx wire to escrow attached. - Due Diligence Vendor-11/11/2025 <br> Open-Asset 1 Does Not Meet Guideline Requirements Gift letter is provided in file however, evidence of transfer to escrow is not available in file. - Due Diligence Vendor-11/07/2025 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-11/11/2025<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 - 5.22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | N/A | N/A | xxx |
| 275485 |  | C A | Closed | finding-3652 | 2025-11-07 02:07 | 2025-11-11 09:43 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Comp type changed from Lender Paid Comp to Borrower Paid Comp. See COC details attached. - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <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 (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 |  | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.11<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 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.27% 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 |
| 275485 |  | C A | Closed | finding-3634 | 2025-11-07 02:07 | 2025-11-11 09:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025 <br> Ready for Review-COC - comp type changed from Lender Paid Comp to Borrower Paid Comp. COC details uploaded to other condition. - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 |  | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.11<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 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 275485 |  | C A | Closed | finding-3631 | 2025-11-07 02:07 | 2025-11-11 09:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025 <br>Ready for Review-COC - comp type changed from Lender Paid Comp to Borrower Paid Comp. COC details uploaded to other condition. - Due Diligence Vendor-11/11/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 |  | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.11<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 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 275485 |  | C A | Closed | finding-3632 | 2025-11-07 02:07 | 2025-11-11 09:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025 <br>Ready for Review-COC - comp type changed from Lender Paid Comp to Borrower Paid Comp. COC details uploaded to other condition. - Due Diligence Vendor-11/11/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 |  | Resolved-COC event detail provided, thank you - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.11<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 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 635329 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 456670 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 191539 |  | D A | Closed | FCRE1164 | 2025-11-07 07:09 | 2025-11-14 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Revised flood cert showing not in a flood zone attached. - Due Diligence Vendor-11/13/2025 <br> Open-Missing Flood Insurance Policy Provide Flood Insurance for the Subject Property xxx. - Due Diligence Vendor-11/07/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 505255 |  | 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 |  |  |  |
| 134327 |  | D A | Closed | FCRE1325 | 2025-11-07 21:46 | 2025-11-11 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/11/2025 <br>Ready for Review-CPA letter attached. - Due Diligence Vendor-11/11/2025 <br>Open-Borrower 1 CPA Letter Missing CPA Letter Missing - Due Diligence Vendor-11/08/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.68% Is Below The Guideline Maximum Of 75% 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 | Cash Out - Other | N/A | N/A | xxx |
| 180712 |  | C A | Closed | finding-3632 | 2025-11-09 08:47 | 2025-11-28 22:11 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Final cure at closing was xxx. See funding worksheet and final settlement statement from escrow uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*An Appraisal Reinspection fee was added to Section B of the PCCD. Lender credits intended to cure multiple increases of xxx is insufficient to cure all increases. - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 |  |  | 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 - 18.63 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.93 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 18.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 180712 |  | C A | Closed | finding-3631 | 2025-11-09 08:47 | 2025-11-28 22:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-11/29/2025 <br> Cured- - Due Diligence Vendor-11/29/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Final cure at closing was xxx. See funding worksheet and final settlement statement from escrow uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*An Appraisal Reinspection fee was added to Section B of the PCCD. Lender credits intended to cure multiple increases of xxx is insufficient to cure all increases. - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 |  |  | 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 - 18.63 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.93 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 18.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 180712 |  | C A | Closed | finding-3625 | 2025-11-09 08:47 | 2025-11-20 09:17 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-PCCD reflecting final title charges that included cure and was issued prior to TPR review, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Ready for Review-PCCD showing updated credit report payee with credit report invoice attached. - Due Diligence Vendor-11/20/2025 <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*\*Section B has the Credit Report fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-11/09/2025 <br>Open- - Due Diligence Vendor-11/09/2025 <br>Open- - Due Diligence Vendor-11/09/2025 |  | Resolved-PCCD reflecting final title charges that included cure and was issued prior to TPR review, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/20/2025<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 - 18.63 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.93 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 18.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% 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 |
| 180712 |  | C A | Closed | finding-3634 | 2025-11-09 08:47 | 2025-11-20 09:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-PCCD reflecting final title charges that included cure and was issued prior to TPR review, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Final cure at closing was xxx. See funding worksheet and final settlement statement from escrow attached. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*An Appraisal Reinspection fee was added to Section B of the PCCD. Lender credits intended to cure multiple increases of xxx is insufficient to cure all increases. - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/09/2025 <br> Open- - Due Diligence Vendor-11/09/2025 |  | Resolved-PCCD reflecting final title charges that included cure and was issued prior to TPR review, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/20/2025<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 - 18.63 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.93 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 18.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% 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 |
| 483547 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 628130 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 942686 |  | C A | Closed | finding-3625 | 2025-11-08 10:13 | 2025-11-11 09:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-PCCD provided, thank you - Due Diligence Vendor-11/11/2025 <br>Ready for Review-PCCD & credit report invoices attached. - Due Diligence Vendor-11/11/2025 <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*Section B has the Credit Report fee paid to the broker. Fees paid to the broker do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the broker for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-11/08/2025 <br>Open- - Due Diligence Vendor-11/08/2025 <br>Open- - Due Diligence Vendor-11/08/2025 |  | Resolved-PCCD provided, thank you - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.25 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.08% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 499893 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 693730 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 173000 |  | C A | Closed | FCRE1159 | 2025-11-08 15:31 | 2025-11-13 14:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Final HUD/SS with disbursement date of xxx provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Post-closing HUD with xxx settlement date uploaded to other condition. - Due Diligence Vendor-11/13/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-11/10/2025 |  | Resolved-Final HUD/SS with disbursement date of xxx provided - Due Diligence Vendor-11/13/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 46.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Borrower At Current Residence For Five (5) Or More Years - 20 Years<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 506172 |  | D A | Closed | FCRE1469 | 2025-11-09 07:18 | 2025-11-11 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-11/11/2025 <br> Ready for Review-xxx. ending xxx not required for eligibility. Removed account from URLA, see attached. - Due Diligence Vendor-11/11/2025 <br> Open-Asset 3 Missing Missing evidence of assets with xxx. ending xxx.- Due Diligence Vendor-11/09/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.07 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 19.07 Are Greater Than The Guideline Minimum Of 9 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 - 7.80 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.80 Years<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 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 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 |
| 506172 |  | D A | Closed | FCRE7497 | 2025-11-09 06:42 | 2025-11-11 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert provided. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Property tax bill for xxx - Due Diligence Vendor-11/11/2025 <br> Open-Evidence of property taxes missing for xxx - Due Diligence Vendor-11/10/2025 |  | Resolved-Tax cert provided. - Due Diligence Vendor-11/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.07 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 19.07 Are Greater Than The Guideline Minimum Of 9 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 - 7.80 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.80 Years<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 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 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 |
| 604949 |  | D A | Closed | FCRE7497 | 2025-11-08 20:31 | 2025-11-11 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Verification of taxes, insurance, and/or HOA fees for non-subject properties: <br> \* xxx - property tax bill and xxx showing property is a vacant land. No property insurance on property.<br> \* xxx - prop tax bill, HOI & HOA - Due Diligence Vendor-11/11/2025 <br> Open-For the following Properties Insurances are missing<br> \*xxx<br> \* xxx<br> \* xxx<br> - Due Diligence Vendor-11/09/2025 |  | Resolved-REO documents provided. - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 9 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 - 6.82 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 62.4% 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 |
| 951728 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 208953 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 755730 |  | C A | Closed | finding-47 | 2025-11-08 05:34 | 2025-11-13 09:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025 <br> Resolved- - Due Diligence Vendor-11/13/2025 <br> Resolved- - Due Diligence Vendor-11/13/2025 <br> Ready for Review-PCCD attached - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. CLOSING DAY WAS xxx AND DUNDING IS BEFORE THE THIRD BUSINESS DAY(SHOULD BE xxx) - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 |  | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | N/A | N/A | xxx |
| 480846 |  | C A | Closed | FCRE1159 | 2025-11-07 17:45 | 2025-11-13 14:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-PCCD showing disbursement date of xxx attached. - Due Diligence Vendor-11/13/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. Note date = xxx. - Due Diligence Vendor-11/07/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/13/2025 | 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 - 24.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.9% 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 |
| 154034 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 800883 |  | 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 |  |  |  |
| 861079 |  | 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 |  |  |  |
| 516099 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 668157 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 546119 |  | C A | Closed | FCRE1481 | 2025-11-07 23:47 | 2025-11-20 14:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Account transaction history showing updated balances after funds to close were wired to escrow attached. - Due Diligence Vendor-11/20/2025 <br> Counter-Document Uploaded. Per Final CD, CTC is xxx / xxx statement (xxx) for accounts xxx for a total verified assets xxx -3 months reserves required = xxx / Short CTC by xxx and Short reserves by xxx - Due Diligence Vendor-11/13/2025 <br> Ready for Review-See attached URLA showing no gift funds. - Due Diligence Vendor-11/12/2025 <br> Open-Asset 3 Does Not Meet Guideline Requirements Asset 3 is gift amount xxx for that proof of documents gift letter and wire missing. - Due Diligence Vendor-11/08/2025 |  | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-11/20/2025<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 - 14.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 - 5.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower At Current Residence For Five (5) Or More Years - 8.00 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | 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 |
| 382950 |  | D A | Closed | FCRE6019 | 2025-11-09 00:33 | 2025-11-13 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act Form provided - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Signed USA Patriot Act form attached. - Due Diligence Vendor-11/13/2025 <br>Counter-Apologies for the confusion, missing the signed US patriot act form or the borrower's drivers license. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Borrower Cert of Naturalization attached. - Due Diligence Vendor-11/11/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-11/09/2025 |  | Resolved-USA Patriot Act Form provided - Due Diligence Vendor-11/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.28% 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 |
| 382950 |  | D A | Closed | FCRE1198 | 2025-11-09 01:41 | 2025-11-11 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 27.93 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/11/2025 <br>Ready for Review-See updated bank account balance uploaded to other condition. - Due Diligence Vendor-11/11/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 3 - Due Diligence Vendor-11/09/2025 |  | Resolved-Audited Reserves of 27.93 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 382950 |  | D A | Closed | FCRE7000 | 2025-11-09 01:31 | 2025-11-11 15:32 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/11/2025 <br> Ready for Review-xxx acct xxx Account Transaction History shows xxx balance as of xxx. - Due Diligence Vendor-11/11/2025 <br> Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-11/09/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.28% 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 |
| 382950 |  | D A | Closed | FCRE1164 | 2025-11-09 00:58 | 2025-11-11 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Flood insurance policy attached. - Due Diligence Vendor-11/11/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-11/09/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.28% 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 |
| 519713 |  | C A | Closed | FCRE1178 | 2025-11-08 08:56 | 2025-11-13 14:00 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided with a disbursement date of xxx - Due Diligence Vendor-11/13/2025 <br> Ready for Review-PCCD showing disbursement date of xxx uploaded to other condition. - Due Diligence Vendor-11/13/2025 <br> Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-11/08/2025 |  | Resolved-PCCD provided with a disbursement date of xxx - Due Diligence Vendor-11/13/2025 | 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 0.07<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.5 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 - 6.28 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | 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 |
| 519713 |  | C A | Closed | FCRE1159 | 2025-11-08 08:14 | 2025-11-13 14:00 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided with a disbursement date of xxx - Due Diligence Vendor-11/13/2025 <br> Ready for Review-PCCD showing disbursement date of xxx attached. - Due Diligence Vendor-11/13/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-11/08/2025 |  | Resolved-PCCD provided with a disbursement date of xxx - Due Diligence Vendor-11/13/2025 | 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 0.07<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.5 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 - 6.28 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 | Purchase | NA | N/A | N/A | xxx |
| 757171 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 546801 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 417678 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 157482 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 717643 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 785236 |  | B A | Closed | FCOM5135 | 2025-11-10 15:40 | 2025-11-13 09:54 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-No affiliated business attestation attached. - Due Diligence Vendor-11/12/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-11/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.6% Is Less Than The Guideline Maximum Of 50% 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 640 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 |
| 922000 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 191232 |  | D A | Closed | FCRE1814 | 2025-11-11 12:44 | 2025-11-14 07:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Documents provided - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Vested Entity docs attached. - Due Diligence Vendor-11/12/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-11/11/2025 |  | Resolved-Entity Documents provided - Due Diligence Vendor-11/14/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 718276 |  | D A | Closed | FCOM1232 | 2025-11-10 15:54 | 2025-11-13 10:56 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Final 1003 attached - Due Diligence Vendor-11/13/2025 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-11/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2025<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 - 11 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years |  | 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 |
| 718276 |  | D A | Closed | FCRE1161 | 2025-11-10 16:50 | 2025-11-13 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Flood cert attached - Due Diligence Vendor-11/13/2025 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-11/10/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/13/2025<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 - 11 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years |  | 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 |
| 477319 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 929918 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 149379 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 500443 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 946981 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 351138 |  | D A | Closed | FCRE1198 | 2025-11-12 13:24 | 2025-11-20 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.8 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/20/2025 <br> Ready for Review-xxx account statement uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-Audited Reserves of 1.17 are less than Guideline Required Reserves of 3 Audited Reserves of 1.17 month are less than Guideline Required Reserves of 3 months. Missing evidence of xxx funds of @ xxx per 1003. - Due Diligence Vendor-11/12/2025 |  | Resolved-Audited Reserves of 4.8 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/20/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 351138 |  | D A | Closed | FCRE1467 | 2025-11-11 08:41 | 2025-11-20 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/20/2025 <br> Ready for Review-xxx statement attached. - Due Diligence Vendor-11/20/2025 <br> Open-Asset 1 Missing ; xxx shown with xxx on 1003. - Due Diligence Vendor-11/11/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-11/20/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 351138 |  | D A | Closed | FCRE6019 | 2025-11-11 07:37 | 2025-11-13 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act Form provided - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Signed USA Patriot Act form attached. - Due Diligence Vendor-11/13/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing . - Due Diligence Vendor-11/11/2025 |  | Resolved-USA Patriot Act Form provided - Due Diligence Vendor-11/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 970341 |  | D A | Closed | FCRE1815 | 2025-11-11 09:40 | 2025-11-13 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity Documents provided. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Vested Entity docs attached. - Due Diligence Vendor-11/13/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN. - Due Diligence Vendor-11/11/2025 |  | Resolved-Entity Documents provided. - Due Diligence Vendor-11/13/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 170.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 170.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 649469 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 468278 |  | C A | Closed | FCRE5790 | 2025-11-11 04:51 | 2025-11-13 15:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Updated credit refresh attached. - Due Diligence Vendor-11/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report date is xxx, Consumation date xxx- Due Diligence Vendor-11/11/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/13/2025<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 0.05<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<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 659 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.09% 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 |
| 235536 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 286819 |  | C A | Closed | FCRE1198 | 2025-11-11 07:49 | 2025-11-14 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.35 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/14/2025 <br> Ready for Review-PCCD showing xxx funds to close plus xxx refund to borrower totaling xxx left for reserves = 4.35 months. - Due Diligence Vendor-11/13/2025 <br> Open-Audited Reserves of 1.29 are less than Guideline Required Reserves of 3<br>The verified assets of xxx match the amount verified on the final 1008.<br> The cash required to close on the final CD of xxx is xxx more than cash required of xxx on the final 1008 - Due Diligence Vendor-11/12/2025 |  | Resolved-Audited Reserves of 4.35 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/14/2025<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 0.13<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 - 10.42 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 - 10.41 Years<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 720 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 |
| 555617 |  | C A | Closed | FCRE1159 | 2025-11-11 13:47 | 2025-11-13 14:16 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-EOI showing effective date of xxx attached. - Due Diligence Vendor-11/13/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-11/11/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/13/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 435961 |  | D A | Closed | FCRE1814 | 2025-11-12 13:56 | 2025-11-20 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Entity EIN and verification of good standing attached. - Due Diligence Vendor-11/20/2025 <br>Counter-Missing Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Vested Entity docs attached. - Due Diligence Vendor-11/13/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-11/12/2025 |  | Resolved-Entity docs provided - Due Diligence Vendor-11/20/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 264392 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 831720 |  | D A | Closed | FCRE1815 | 2025-11-13 08:09 | 2025-11-14 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity Documents provided. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Vested Entity docs attached. - Due Diligence Vendor-11/13/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN. - Due Diligence Vendor-11/13/2025 |  | Resolved-Entity Documents provided. - Due Diligence Vendor-11/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 171.16 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 171.16 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 243909 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 257086 |  | C A | Closed | finding-3634 | 2025-11-18 14:28 | 2025-11-20 09:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-COC details attached - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*\*\* The following charges have been either added or increased: Mortgage Broker Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/20/2025<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 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 |
| 257086 |  | C A | Closed | finding-3631 | 2025-11-18 14:28 | 2025-11-20 09:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Mortgage Broker Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/20/2025<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | 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 |
| 257086 |  | C A | Closed | finding-3632 | 2025-11-18 14:28 | 2025-11-20 09:21 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-11/20/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Mortgage Broker Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/20/2025<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | 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 |
| 201346 |  | D A | Closed | FCRE7497 | 2025-11-18 11:33 | 2025-11-20 13:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert provided. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Prop tax bill for xxx attached. - Due Diligence Vendor-11/20/2025 <br> Open-Missing verification of taxes for non-subject rental property: xxx. - Due Diligence Vendor-11/18/2025 |  | Resolved-Tax cert provided. - Due Diligence Vendor-11/20/2025<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 - 7.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 119.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 649432 |  | 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 |  |  |  |
| 242359 |  | 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 |  |  |  |
| 446353 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 308905 |  | 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 |  |  |  |
| 978629 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 615499 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 759821 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 942400 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 457917 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 979499 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 128512 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 360259 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 740750 |  | D A | Closed | FCRE1503 | 2025-11-21 08:55 | 2026-01-10 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO documents provided - Due Diligence Vendor-01/10/2026 <br> Ready for Review-See attached REO docs and updated 1003/1008. - Due Diligence Vendor-01/08/2026 <br> Open-Mortgage statements or other documentation for REO Property xxx- Due Diligence Vendor-11/21/2025 |  | Resolved-REO documents provided - Due Diligence Vendor-01/10/2026<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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.18 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 744303 |  | C A | Closed | FCRE1167 | 2025-11-21 04:28 | 2025-11-24 10:08 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Lender provided additional insurance information. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Property is a PUD with master insurance policy that includes building coverage. See attached Master Insurance policy. - Due Diligence Vendor-11/22/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-11/21/2025 |  | Resolved-Lender provided additional insurance information. - Due Diligence Vendor-11/24/2025<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 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 579147 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 259725 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 507331 |  | C B A | Closed | FCRE1195 | 2025-11-21 20:16 | 2025-12-08 09:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with supporting comp factors: The exception to proceed with 70% LTV with DSCR less than 1.0 has been approved - Due Diligence Vendor-12/08/2025 <br> Ready for Review-LTV Exception approval attached. - Due Diligence Vendor-12/05/2025 <br> Open-Audited CLTV of 70% exceeds Guideline CLTV of 65% Max allowed LTV per Matrix and guides is 65%. TPR reviewed file and it appears per rate lock under doc pg #220 that there was an exception made for DSCR/LTV. Exception is missing from file - Due Diligence Vendor-11/24/2025 |  | Waived-Exception granted with supporting comp factors: The exception to proceed with 70% LTV with DSCR less than 1.0 has been approved - Due Diligence Vendor-12/08/2025<br>|  | Double the required reserves - 6 months vs 3 months minimum<br> Brand New Property in Excellent Condition<br> Appraised value xxx is greater than purchase price xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 346065 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 952661 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 290404 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 576088 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 682459 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 270975 |  | D A | Closed | FCRE1159 | 2025-11-21 04:05 | 2025-11-25 10:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/25/2025 <br> Ready for Review-EOI attached - Due Diligence Vendor-11/25/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx- Due Diligence Vendor-11/21/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/25/2025 | 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 - 10.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 270975 |  | D A | Closed | FCRE1467 | 2025-11-21 04:37 | 2025-11-24 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/24/2025 <br> Ready for Review-xxx statement attached. - Due Diligence Vendor-11/22/2025 <br> Open-Asset 1 Missing Missing funds and reserves to close. Lender has asset account listed on 1003 from xxx Priority Acct xxx with a balance of xxx. Lender to provide supporting assets in the amount of a minimum xxx - Due Diligence Vendor-11/21/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-11/24/2025<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 - 10.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 998050 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 448796 |  | D A | Closed | FCRE1198 | 2025-11-23 07:51 | 2025-12-09 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 41.71 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Borrower had xxx in xxx acct xxx after funds to close xxx were wired to escrow (see acct transaction history printout attached) plus received a xxx refund from closing, for a total of xxx, which is sufficient to cover 9 mos reserves. - Due Diligence Vendor-12/09/2025 <br> Open-Audited Reserves of 7.52 are less than Guideline Required Reserves of 9 Audited Reserves of are less than Guideline Required Reserves of 9 - Due Diligence Vendor-11/23/2025 |  | Resolved-Audited Reserves of 41.71 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-12/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.71 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 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 10.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 9.22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.22 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 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 448796 |  | D A | Closed | FCRE7497 | 2025-11-24 11:49 | 2025-12-09 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements, Tax Cert & HOI Policys provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-3e (xxx), 3g (xxx)- T&I are impounded with the mtg. 3h (xxx), 3i (xxx), 3j (xxx), 3c/pg 8 (xxx) & 3f/pg 9 (xxx)– Evidence of PITI was in file and re-attached. - Due Diligence Vendor-12/09/2025 <br> Open-Missing verification of taxes for non-subject property, missing following on schedule of REO: 3e, 3g, 3h, 3i, 3j & 3c (pg8), 3f (pg9). Missing evidence of tases & hazard on 3g of schedule of REO 1003. - Due Diligence Vendor-11/24/2025 |  | Resolved-Mortgage statements, Tax Cert & HOI Policys provided. - Due Diligence Vendor-12/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.71 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 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 10.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 9.22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.22 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 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 319421 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 320454 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 529265 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 893948 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 473933 |  | C A | Closed | FCRE1193 | 2025-11-28 08:58 | 2025-12-02 07:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 with Audited DTI provided. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Revised 1008 showing DTI at 39.11% attached. - Due Diligence Vendor-12/01/2025 <br> Open-Due to Liability (xxx) DTI is not matching with 1008 (audit 39.11% vs lender 33.31%) - As per Gap credit Report xxx bank payment is xxx and as per Credit Report xxx bank Payment is xxx. - Due Diligence Vendor-11/28/2025 |  | Resolved-Updated 1008 with Audited DTI provided. - Due Diligence Vendor-12/02/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 329145 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 542297 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 820462 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 844511 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 427455 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 512756 |  | C A | Closed | FCRE1198 | 2025-11-28 13:22 | 2025-12-09 12:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.58 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Additional xxx assets attached. - Due Diligence Vendor-12/09/2025 <br> Open-Audited Reserves of 2.54 are less than Guideline Required Reserves of 3 Audited Reserves of 2.54 months are less than Guideline Required Reserves of 3 months. Dollar amount short = xxx - Due Diligence Vendor-11/28/2025 |  | Resolved-Audited Reserves of 3.58 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/09/2025<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.6% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 69.6% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 341652 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 686459 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 735920 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 478842 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 517470 |  | D A | Closed | FCOM1232 | 2025-11-28 01:40 | 2025-12-16 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Final 1003 attached. - Due Diligence Vendor-12/15/2025 <br> Counter-Missing Final 1003 at the time of Closing xxx - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Final 1003 attached. - Due Diligence Vendor-12/03/2025 <br> Open-The Final 1003 is Missing. - Due Diligence Vendor-11/28/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.85% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | N/A | N/A | xxx |
| 517470 |  | D A | Closed | finding-47 | 2025-12-02 11:14 | 2025-12-03 07:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-See attached PCCD showing disbursement date of xxx. - Due Diligence Vendor-12/02/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.85% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | N/A | N/A | xxx |
| 428175 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 585153 |  | D A | Closed | FCOM4227 | 2025-12-02 10:24 | 2025-12-03 08:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Final CD uploaded to other condition. - Due Diligence Vendor-12/02/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-12/02/2025 |  | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/03/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.34% Is Less Than The Guideline Maximum Of 50% 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 |  |  | 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 |
| 585153 |  | D A | Closed | FCOM1544 | 2025-12-02 10:21 | 2025-12-03 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Final CD attached. - Due Diligence Vendor-12/02/2025 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-12/02/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/03/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.34% Is Less Than The Guideline Maximum Of 50% 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 |  | 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 |
| 510789 |  | C A | Closed | FCRE1159 | 2025-11-27 21:03 | 2025-12-02 15:35 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided disbursement date is xxx - Due Diligence Vendor-12/02/2025 <br> Ready for Review-See attached PCCD showing xxx disbursement date. - Due Diligence Vendor-12/02/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-11/28/2025 |  | Resolved-PCCD provided disbursement date is xxx - Due Diligence Vendor-12/02/2025 | 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 720 By Twenty (20) or More Points<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 - 14.47 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 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 0.07<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 - 14.48 Years |  | 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 |
| 636061 |  | 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 |  |  |  |
| 542109 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 679285 |  | C A | Closed | FCRE1167 | 2025-12-04 07:31 | 2025-12-07 09:45 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/07/2025 <br> Ready for Review-xxx showing xxx cost to rebuild attached. Please rescind condition as this document was included in initial file package page 255. - Due Diligence Vendor-12/05/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-12/04/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/07/2025<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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.09 Are Greater Than The Guideline Minimum Of 6 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 - 6.50 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.18% 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 | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 328974 |  | C A | Closed | finding-806 | 2025-12-05 04:38 | 2025-12-15 08:56 | Cured | 1 - Information C A | Compliance | Points & Fees | xxx AB 489/344 Covered Loan Points and Fees Threshold Test | Cured-: \*\*\*\*Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check, specific LOE, PCCD and proof of delivery. Issued within 60 days, has been provided. - Due Diligence Vendor-12/15/2025 <br> Resolved- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Ready for Review-LOE, copy of check, PCCD and proof of mailing to borrower attached. - Due Diligence Vendor-12/11/2025 <br> Counter-Loan Data xxx - Comparison Data xxx = xxx variance - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Compliance report attached. Please advise the cure amount to resolve fail. - Due Diligence Vendor-12/09/2025 <br> Open-This loan failed the points and fees threshold test.<br> (xxx AB 344 §1 [xxx FC §4970(b)(1)(B)])The total points and fees, as defined in xxx Financial Code § 4970, exceed 6% of the total loan amount, as defined in HOEPA (Section 32). \*\*Loan failed the xxx covered points and fees test because the total of points and fees exceeded the threshold. Lender to provide a copy of their internal final compliance test results for review. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Cured-: \*\*\*\*Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check, specific LOE, PCCD and proof of delivery. Issued within 60 days, has been provided. - Due Diligence Vendor-12/15/2025<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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 - 5.87 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.87 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 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 22.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 22.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 16.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | Cash Out - Other | N/A | N/A | xxx |
| 328974 |  | C A | Closed | FCRE5790 | 2025-12-04 16:42 | 2025-12-11 11:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Updated credit refresh attached. - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note date = xxx, GAP credit date xxx. - Due Diligence Vendor-12/04/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/11/2025<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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 - 5.87 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.87 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 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 22.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 22.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 16.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | Cash Out - Other | N/A | N/A | xxx |
| 887824 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 303100 |  | D A | Closed | FCRE1815 | 2025-12-05 12:07 | 2025-12-07 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided. - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Entity docs attached. - Due Diligence Vendor-12/05/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing COGS, Articles and EIN for xxx (Operating Agreement in file) - Due Diligence Vendor-12/05/2025 |  | Resolved-Entity documents provided. - Due Diligence Vendor-12/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.88 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 923698 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 650864 |  | C A | Closed | FCRE1159 | 2025-12-04 06:56 | 2025-12-10 10:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided disbursement date xxx - Due Diligence Vendor-12/10/2025 <br> Ready for Review-See PCCD showing xxx disbursement date uploaded to other condition. - Due Diligence Vendor-12/09/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-12/04/2025 |  | Resolved-PCCD provided disbursement date xxx - Due Diligence Vendor-12/10/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 - 5.90 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.90 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 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  |  | 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 |
| 650864 |  | C A | Closed | FCRE1178 | 2025-12-04 06:56 | 2025-12-10 10:29 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided disbursement date xxx - Due Diligence Vendor-12/10/2025 <br> Ready for Review-See PCCD showing xxx disbursement date. - Due Diligence Vendor-12/09/2025 <br> Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-12/04/2025 |  | Resolved-PCCD provided disbursement date xxx - Due Diligence Vendor-12/10/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 - 5.90 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.90 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 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | 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 |
| 387983 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 220788 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 466243 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 171484 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 171906 |  | C B A | Closed | FCRE1194 | 2025-12-05 09:53 | 2025-12-12 14:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: The exception to proceed with 70% LTV on a DSCR cash-out refinance versus max guideline LTV of 65% has been approved - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Exception approval attached. - Due Diligence Vendor-12/11/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% . Provide Exception that was granted for Cash out refi exceeding max allowable LTV as stated on the 1008. - Due Diligence Vendor-12/05/2025 |  | Waived-Exception granted with supporting comp factors: The exception to proceed with 70% LTV on a DSCR cash-out refinance versus max guideline LTV of 65% has been approved - Due Diligence Vendor-12/12/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 | Property debt services over 1 (at 1.038x).<br> Borrower has owned the property since 2005.<br> Experienced Investor – owns 5 other properties (in addition to subject) and has had no mortgage lates in the last 2+ yrs. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 225530 |  | C A | Closed | FCRE1159 | 2025-12-04 06:31 | 2025-12-05 14:22 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/05/2025 <br> Ready for Review-See attached PC HUD-1 showing settlement date of xxx. - Due Diligence Vendor-12/04/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-12/04/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/05/2025 | 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 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 - 26.00 Years Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 210366 |  | D A | Closed | FCOM1229 | 2025-12-05 07:24 | 2025-12-18 09:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Uploaded to DOT condition with Mortgage - Due Diligence Vendor-12/17/2025 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/05/2025 |  | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 210366 |  | D A | Closed | FCOM1227 | 2025-12-05 07:24 | 2025-12-18 09:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Uploaded to DOT condition with Mortgage - Due Diligence Vendor-12/17/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-12/05/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 210366 |  | D A | Closed | FCOM1220 | 2025-12-05 07:00 | 2025-12-18 09:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Mortgage attached - Due Diligence Vendor-12/17/2025 <br> Open-The Deed of Trust is Missing Provide an executed and dated by all applicable parties in the amount of xxx, 360 term, 7.875% rate with 1-4 family Rider , Prepayment Rider , Assignment of Lease and Rents and PUD Rider for subject located at xxx - Due Diligence Vendor-12/05/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 210366 |  | D A | Closed | FCOM3596 | 2025-12-05 13:23 | 2025-12-18 09:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP Rider provided - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Uploaded to DOT condition with Mortgage - Due Diligence Vendor-12/17/2025 <br> Open-Lender to provide Prepay Rider for subject located at xxx. Once Prepayment Rider is received please update Note screen. - Due Diligence Vendor-12/05/2025 |  | Resolved-PPP Rider provided - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 210366 |  | D A | Closed | FCOM5991 | 2025-12-05 13:25 | 2025-12-18 09:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Required mortgage rider missing | Resolved-Assignment of Rent/Leases Rider provided - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Uploaded to DOT condition with Mortgage - Due Diligence Vendor-12/17/2025 <br> Open-Provide Assignment of Rent/Leases Rider for subject located at xxx - Due Diligence Vendor-12/05/2025 |  | Resolved-Assignment of Rent/Leases Rider provided - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 210366 |  | D A | Closed | FCOM1206 | 2025-12-05 06:58 | 2025-12-18 09:14 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Note attached. - Due Diligence Vendor-12/17/2025 <br> Open-The Note is Missing Lender to provide Note for subject xxx executed and dated by all applicable parties in the amount of xxx, 30 yr term and a rate of 7.875% - Due Diligence Vendor-12/05/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 283739 |  | D A | Closed | FPRO1244 | 2025-12-09 11:31 | 2025-12-15 14:06 | 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-12/15/2025 <br>Ready for Review-CDA attached - Due Diligence Vendor-12/15/2025 <br>Open-3rd Party Valuation Product is Required and Missing. - Due Diligence Vendor-12/09/2025 |  | Resolved-desk review provided - Due Diligence Vendor-12/15/2025<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 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 283739 |  | D A | Closed | FCRE7497 | 2025-12-09 11:28 | 2025-12-10 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property located at xxx has a Private Lien and no HOI - HOI & Tax Cert provided for xxx - Due Diligence Vendor-12/10/2025 <br> Ready for Review-\* xxx - LOE from borr no insurance.<br> \* xxx- Tax bill and Ins Dec page attached. - Due Diligence Vendor-12/09/2025 <br> Open-Missing verification of taxes, insurance for non-subject property:<br> - prop @ xxx, missing hazard insurance<br> - prop @ xxx, missing hazard insurance & taxes - Due Diligence Vendor-12/09/2025 |  | Resolved-Property located at xxx has a Private Lien and no HOI - HOI & Tax Cert provided for xxx - Due Diligence Vendor-12/10/2025 | 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 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 499488 |  | 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 |  |  |  |
| 412137 |  | D A | Closed | FCRE1201 | 2025-12-06 10:47 | 2025-12-11 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Final fraud report attached. - Due Diligence Vendor-12/09/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-12/06/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 84.26 Are Greater Than The Guideline Minimum Of 3 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 |
| 547354 |  | C B A | Closed | FCRE1196 | 2025-12-06 15:00 | 2025-12-11 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception granted with supporting comp factors: The exception to proceed with 88.66% LTV on a Primary/Alt-Doc, Rate & Term Refinance has been approved - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Exception approval uploaded to other condition. - Due Diligence Vendor-12/09/2025 <br>Open-Audited HCLTV of 88.66% exceeds Guideline HCLTV of 85%. no exception in file. - Due Diligence Vendor-12/06/2025 |  | Waived-Exception granted with supporting comp factors: The exception to proceed with 88.66% LTV on a Primary/Alt-Doc, Rate & Term Refinance has been approved - Due Diligence Vendor-12/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 5.89 Years<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 | Borrower has well established credit for over 10 years, with no lates. Fico xxx.<br> Established self-employed business since 2020, using Bank stmt analysis- results in DTI below 40% back-end. R/T refinance where borrower actually had to bring in funds to close and still had<br> 10+months of post-closing reserves (min. 6 required).<br> Refinance provided a benefit to the borrower by reducing rate from xxx 30 year fixed.<br> CLTV exceeded due to an xxx loan (which was put on there as an abundance of caution) |  | 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 Post-Close | Yes | xxx |
| 547354 |  | C B A | Closed | FCRE1195 | 2025-12-06 15:00 | 2025-12-11 11:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with supporting comp factors: The exception to proceed with 88.66% LTV on a Primary/Alt-Doc, Rate & Term Refinance has been approved - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Exception approval attached. - Due Diligence Vendor-12/09/2025 <br>Open-Audited CLTV of 88.66% exceeds Guideline CLTV of 85%. no exception in file. - Due Diligence Vendor-12/06/2025 |  | Waived-Exception granted with supporting comp factors: The exception to proceed with 88.66% LTV on a Primary/Alt-Doc, Rate & Term Refinance has been approved - Due Diligence Vendor-12/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 5.89 Years<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 | Borrower has well established credit for over 10 years, with no lates. Fico xxx.<br> Established self-employed business since 2020, using Bank stmt analysis- results in DTI below 40% back-end. R/T refinance where borrower actually had to bring in funds to close and still had<br> 10+months of post-closing reserves (min. 6 required).<br> Refinance provided a benefit to the borrower by reducing rate from xxx 30 year fixed.<br> CLTV exceeded due to an xxx loan (which was put on there as an abundance of caution) | 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 Post-Close | Yes | xxx |
| 188916 |  | C A | Closed | FCOM2276 | 2025-12-08 14:43 | 2025-12-10 13:40 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-12/09/2025 <br> Open-The Final CD's disbursement date is prior to the closing date of xxx. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/08/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.92% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | 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 |
| 188916 |  | C A | Closed | finding-3712 | 2025-12-08 14:32 | 2025-12-10 13:39 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-PCCD attached - Due Diligence Vendor-12/09/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. The Final CD's disbursement date is prior to the closing date of xxx. Lender to provide confirmation of accurate funding/disbursement date and accurate prepaid interest collected. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.92% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 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 |
| 877032 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 284959 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 836194 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 402275 |  | C A | Closed | FCRE1159 | 2025-12-08 19:18 | 2025-12-11 15:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-See attached PCHUD showing settlement date of xxx. - Due Diligence Vendor-12/10/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-12/09/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.3% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 488447 |  | D A C | Closed | finding-3634 | 2025-12-08 05:47 | 2025-12-12 13:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event known xxx disclosed xxx - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-We received the COC request on xxx, and it was disclosed on the initial CD dated xxx. - Due Diligence Vendor-12/11/2025 <br> Counter-COC event detail form provided is for a disclosure issued xxx. no xxx TRID disclosure has been provided to TPR - Due Diligence Vendor-12/10/2025 <br> Ready for Review-COC details attached. - Due Diligence Vendor-12/09/2025 <br> Open-\*\*\*An Appraisal Review Fee was first disclosed in Section B in the CD issued xxx and remained through the Final CD and PCCD. The original file does not contain a valid COC in relation to the fee. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Initial LE dated xxx reflects Appraisal(review) Fee xxx however, Final CD dated xxx reflects the Appraisal(review) Fee xxx The fee (xxx) has been increased for Appraisal Fee which exceeds the 0% tolerance. Required valid COC or cure amount of xxx <br> - Due Diligence Vendor-12/08/2025 |  | Resolved-COC event known xxx disclosed xxx - Due Diligence Vendor-12/12/2025 | 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 0.15<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 - 5.81 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.79% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 720 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 |
| 488447 |  | D A C | Closed | finding-3631 | 2025-12-08 05:47 | 2025-12-12 13:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event known xxx disclosed xxx - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-We received the COC request on xxx, and it was disclosed on the initial CD dated xxx. - Due Diligence Vendor-12/11/2025 <br> Counter-COC event detail form provided is for a disclosure issued xxx. no xxx TRID disclosure has been provided to TPR - Due Diligence Vendor-12/10/2025 <br> Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-12/09/2025 <br> Open-\*\*\*An Appraisal Review Fee was first disclosed in Section B in the CD issued xxx and remained through the Final CD and PCCD. The original file does not contain a valid COC in relation to the fee. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/08/2025 |  | Resolved-COC event known xxx disclosed xxx - Due Diligence Vendor-12/12/2025 | 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 0.15<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 - 5.81 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.79% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 720 By Twenty (20) or More Points |  |  | 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 |
| 488447 |  | D A C | Closed | finding-3632 | 2025-12-08 05:47 | 2025-12-12 13:28 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event known xxx disclosed xxx - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-We received the COC request on xxx, and it was disclosed on the initial CD dated xxx. - Due Diligence Vendor-12/11/2025 <br> Counter-COC event detail form provided is for a disclosure issued xxx. no xxx TRID disclosure has been provided to TPR - Due Diligence Vendor-12/10/2025 <br> Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-12/09/2025 <br> Open-\*\*\*An Appraisal Review Fee was first disclosed in Section B in the CD issued xxx and remained through the Final CD and PCCD. The original file does not contain a valid COC in relation to the fee. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/08/2025 |  | Resolved-COC event known xxx disclosed xxx - Due Diligence Vendor-12/12/2025 | 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 0.15<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 - 5.81 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.79% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 720 By Twenty (20) or More Points |  |  | 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 |
| 488447 |  | D A C | Closed | FCRE1316 | 2025-12-08 16:33 | 2025-12-11 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/11/2025 <br>Ready for Review-VVOE via email attached. - Due Diligence Vendor-12/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Per guidelines the Verbal Verification of Employment must be within 10 business days prior to the note date. The WVOE in documents is not within 10 business days - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/11/2025<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 0.15<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 - 5.81 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.79% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 720 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 |
| 913431 |  | D A | Closed | FCOM1544 | 2025-12-06 13:03 | 2025-12-10 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Final CD attached. - Due Diligence Vendor-12/09/2025 <br>Open-TRID: Missing Final Closing Disclosure \*\*Lender to provide missing Final Closing Disclosure provided at closing. Document is needed to complete compliance testing. - Due Diligence Vendor-12/06/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/10/2025<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 0.14<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 - 8.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 720 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 |
| 317637 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 792601 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 873307 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 787147 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 817389 |  | C A | Closed | FCRE1167 | 2025-12-10 10:52 | 2025-12-11 15:03 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Property is an attached PUD/townhome. See attached master policy page 5, location xxx showing building coverage for subject property. Document was provided in initial file upload. Please rescind condition. - Due Diligence Vendor-12/10/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx. - Due Diligence Vendor-12/10/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 817722 |  | D A | Closed | FCRE1316 | 2025-12-10 15:29 | 2025-12-12 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/12/2025 <br> Ready for Review-B1 VVOE attached. - Due Diligence Vendor-12/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VVOE Prior to Close Missing from xxx. - Due Diligence Vendor-12/10/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/12/2025<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 - 10.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.34 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 - 10.35 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.35 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.43 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.43 Years |  | 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 |
| 930923 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 118568 |  | D A | Closed | FPRO1244 | 2025-12-10 14:43 | 2025-12-11 10:04 | 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-12/11/2025 <br>Ready for Review-CDA attached - Due Diligence Vendor-12/11/2025 <br>Open-3rd Party Valuation Product is Required and Missing. - Due Diligence Vendor-12/10/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-12/11/2025<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 707052 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 965385 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 335616 |  | D A C | Closed | FCOM1621 | 2025-12-12 10:24 | 2025-12-16 13:20 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Signed disclosure attached. - Due Diligence Vendor-12/15/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-12/12/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-12/16/2025<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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 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 |
| 335616 |  | D A C | Closed | finding-3540 | 2025-12-12 22:23 | 2025-12-16 13:20 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/16/2025 <br>Resolved- - Due Diligence Vendor-12/16/2025 <br>Ready for Review-COC CD provided at consummation and PCCD attached. - Due Diligence Vendor-12/15/2025 <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-12/13/2025 <br>Open- - Due Diligence Vendor-12/13/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/16/2025<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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 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 |
| 335616 |  | D A C | Closed | FCRE5782 | 2025-12-12 12:34 | 2025-12-16 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Updated credit refresh report attached. - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing, required within 10 days of consumation date. - Due Diligence Vendor-12/12/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025<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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 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 |
| 335616 |  | D A C | Closed | FCRE5783 | 2025-12-12 12:34 | 2025-12-16 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Updated credit refresh report uploaded to other condition. - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 2 Gap Credit Report is Missing, required within 10 days of consumation date. - Due Diligence Vendor-12/12/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025<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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | 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 |
| 736780 |  | 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 |  |  |  |
| 912263 |  | D A C | Closed | FCOM8891 | 2025-12-13 10:03 | 2025-12-17 07:59 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-COC details attached. - Due Diligence Vendor-12/16/2025 <br> Counter-\*\*\*\*\*\*Executed Final Closing Package provided, Compliance report generated resulting in additional findings. \*\*\*\* The following charges have been either added or increased: Discount points added to the Final Closing Disclosure resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Signed closing docs attached - Due Diligence Vendor-12/16/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*Documentation provided includes documents for a different property and borrower. Please provide complete Executed Final Closing Package for xxx . A complete TPR review cannot be completed and Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/13/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 912263 |  | D A C | Closed | finding-3634 | 2025-12-16 14:25 | 2025-12-17 07:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-12/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-12/16/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 912263 |  | D A C | Closed | finding-3631 | 2025-12-16 14:25 | 2025-12-17 07:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-12/16/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/16/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 912263 |  | D A C | Closed | finding-3632 | 2025-12-16 14:25 | 2025-12-17 07:58 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-12/16/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/16/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 912263 |  | D A C | Closed | FCOM1274 | 2025-12-13 10:02 | 2025-12-16 14:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Escrow Waiver attached - Due Diligence Vendor-12/16/2025 <br> Open-Escrow Waiver is Missing \*\*\*\*\*\*\*\*\*\*\*\*\*\*Documentation provided includes documents for a different property and borrower. Please provide complete Executed Final Closing Package for xxx . A complete TPR review cannot be completed and Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/13/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-12/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 912263 |  | D A C | Closed | FCRE1442 | 2025-12-12 06:57 | 2025-12-16 14:02 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Updated gift letter attached. - Due Diligence Vendor-12/16/2025 <br> Open-Asset 1 Expired Gift letter dated xxx. Guidelines require asset "documents" to be dated no more then 90 days of Note date. Date disbursed xxx. - Due Diligence Vendor-12/12/2025 |  | Resolved-Asset 1 Not Expired - Due Diligence Vendor-12/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 912263 |  | D A C | Closed | FCOM1220 | 2025-12-12 05:07 | 2025-12-16 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-DOT attached - Due Diligence Vendor-12/16/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*Documentation provided includes documents for a different property and borrower. Please provide complete Executed Final Closing Package for xxx . A complete TPR review cannot be completed and Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/13/2025 <br> Open-The Deed of Trust is Missing . - Due Diligence Vendor-12/12/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 912263 |  | D A C | Closed | FCOM1206 | 2025-12-12 05:06 | 2025-12-16 14:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Note attached. - Due Diligence Vendor-12/16/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*Documentation provided includes documents for a different property and borrower. Please provide complete Executed Final Closing Package for xxx . A complete TPR review cannot be completed and Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/13/2025 <br> Open-The Note is Missing. - Due Diligence Vendor-12/12/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-12/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 281523 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 797675 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 447060 |  | D A | Closed | FCOM3987 | 2025-12-15 09:53 | 2025-12-16 14:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Disclosure attached. - Due Diligence Vendor-12/16/2025 <br> Open-Certificate of Loans to One Borrower at closing is not accurate which reflects no other loans. As a minimum, loan xxx was not disclosed. - Due Diligence Vendor-12/15/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/16/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 447060 |  | D A | Closed | FCRE6019 | 2025-12-12 13:52 | 2025-12-15 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid Drivers License Provided. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Patriot Act Form and ID attached. - Due Diligence Vendor-12/12/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-12/12/2025 |  | Resolved-Valid Drivers License Provided. - Due Diligence Vendor-12/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 286202 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 138101 |  | B A | Closed | FCOM3987 | 2025-12-15 09:41 | 2025-12-16 14:47 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Disclosure attached. - Due Diligence Vendor-12/16/2025 <br> Open-Missing evidence accurate disclosure provided at closing. Certificate of Loans to One Borrower at closing is not accurate which reflects no other loans. As a minimum, loan xxx was not disclosed. - Due Diligence Vendor-12/15/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/16/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 554699 |  | 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 |  |  |  |
| 708352 |  | D A C | Closed | finding-3631 | 2025-12-15 06:01 | 2025-12-16 13:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-PCCD attached - Due Diligence Vendor-12/15/2025 <br> Open-Recording charges of $were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 | 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 - 5.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 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 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | N/A | N/A | xxx |
| 708352 |  | D A C | Closed | finding-3632 | 2025-12-15 06:01 | 2025-12-16 13:45 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-12/15/2025 <br> Open-Recording charges of $were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 | 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 - 5.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 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 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 708352 |  | D A C | Closed | finding-3635 | 2025-12-15 06:01 | 2025-12-16 13:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-12/15/2025 <br> Open-Recording charges of $were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges (xxx) 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). Initial LE dated xxx reflects Recording Fee xxx however, Final CD dated xxx reflects the Recording Fee xxx The fee (xxx) has been increased for Recording Fee which exceeds the 10% tolerance. Required valid COC or cure amount. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 | 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 - 5.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 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 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 708352 |  | D A C | Closed | FCRE1467 | 2025-12-13 05:28 | 2025-12-16 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-VOD for xxx attached - Due Diligence Vendor-12/15/2025 <br> Open-Asset 1 Missing The borrower's asset amount of xxx associated with xxx account number ending in xxx is missing. - Due Diligence Vendor-12/13/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-12/16/2025<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 - 5.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 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 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 | N/A | N/A | xxx |
| 627329 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 262022 |  | C B A | Closed | FCRE1194 | 2025-12-18 08:56 | 2025-12-22 08:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: Approval to allow 85% LTV on a Rural Property, Alt Doc, Primary Residence Purchase First Mortgage - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Exception approval attached. - Due Diligence Vendor-12/19/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 70%. xxx xxx Matrix restricts Rural properties to a maximum of 70% ltv. - Due Diligence Vendor-12/18/2025 |  | Waived-Exception granted with supporting comp factors: Approval to allow 85% LTV on a Rural Property, Alt Doc, Primary Residence Purchase First Mortgage - Due Diligence Vendor-12/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.48% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Good credit – xxx FICO, established since 2020.<br> Property is in excellent condition; recently built 2025.<br> Property is marked as rural by the appraiser. However, there are close by neighborhoods/ homes within 3- 5 miles per comps sale analysis; plat map included also shows other homes platted in the immediately blocks.<br> Purchase of primary residence, according to the appraisal, subject is near lake recreational area; built up. | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx |
| 944825 |  | 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 |  |  |  |
| 581151 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 189728 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 173130 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 121002 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 945859 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 825820 |  | 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 |  |  |  |
| 133806 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 248044 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 701670 |  | C A | Closed | FCRE1198 | 2025-12-23 05:15 | 2025-12-24 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.79 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Borr was refunded xxx at closing. See PCCD uploaded to other condition. - Due Diligence Vendor-12/23/2025 <br> Open-Audited Reserves of 2.32 are less than Guideline Required Reserves of 3. Loan is short xxx in reserves required. TPR was only able to verify xxx/ xxx, Acct xxx dated xxx under doc pg #40 - Due Diligence Vendor-12/23/2025 |  | Resolved-Audited Reserves of 3.79 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 701670 |  | C A | Closed | FCOM2276 | 2025-12-23 07:58 | 2025-12-24 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. thank you - Due Diligence Vendor-12/24/2025 <br> Ready for Review-PCCD attached. - Due Diligence Vendor-12/23/2025 <br> Open-<br> Final CD disbursement date xxx closing date or consummation date xxx which is after the disbursement date so unable to run compliance ease. Please provide PCCD with the updated disbursement date on or after the consummation date xxx..<br> - Due Diligence Vendor-12/23/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. thank you - Due Diligence Vendor-12/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.74% Is Less Than The Guideline Maximum Of 49% 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 514358 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 401177 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 742844 |  | D A | Closed | FCOM1233 | 2025-12-24 04:18 | 2025-12-30 08:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Complete final 1003 attached. - Due Diligence Vendor-12/30/2025 <br>Open-The Final 1003 is Incomplete 1003 Second Page not available. - Due Diligence Vendor-12/24/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/30/2025<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 0.21<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 - 5.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% 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 | Purchase | NA | N/A | N/A | xxx |
| 964784 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 882874 |  | C A | Closed | FCRE5790 | 2025-12-24 13:05 | 2025-12-30 13:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Updated credit refresh report for B1 & B2 attached. - Due Diligence Vendor-12/30/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 & Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/24/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/30/2025<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 - 8.75 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 - 10.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% 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 640 By Twenty (20) or More Points<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 |  | 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 |
| 599595 |  | C A | Closed | FCRE1198 | 2025-12-24 11:38 | 2025-12-26 17:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-12/26/2025 <br> Ready for Review-See attached PCCD and xxx statement. Funds to close xxx, after gift funds, borrower brought in xxx. Verified assets xxx, which leaves xxx (10 mos) for reserves. - Due Diligence Vendor-12/26/2025 <br> Open-Audited Reserves of 0.64 are less than Guideline Required Reserves of 3 Not enough assets on file, after the gift and the chase account we have xxx in assets and cash to close was xxx, meaning we have only xxx on file after funds to close for reserves, which is short by xxx. Please provide documentation that shows the additional amount to meet the 3 mos. reserves requirements - Due Diligence Vendor-12/24/2025 |  |  | 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 0.05<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.88% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 720 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 |
| 598180 |  | 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 |  |  |  |
| 506281 |  | C A | Closed | FPRO1136 | 2025-12-24 08:31 | 2026-01-21 09:16 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-01/21/2026 <br>Ready for Review-1004D attached - Due Diligence Vendor-01/20/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/28/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-01/21/2026<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 0.06<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 - 8.97 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% 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 | Second Home | Purchase | NA | N/A | N/A | xxx |
| 797878 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 517333 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 126083 |  | 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 |  |  |  |
| 529578 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 155994 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 775784 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 928904 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 640392 |  | C A | Closed | FCRE1159 | 2025-12-24 12:21 | 2025-12-30 11:19 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided with a disbursement date of xxx. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-See attached PCCD showing disbursement date of xxx. - Due Diligence Vendor-12/29/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-12/24/2025 |  | Resolved-PCCD provided with a disbursement date of xxx. - Due Diligence Vendor-12/30/2025 | 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 - 8.07 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 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 |
| 188013 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 856794 |  | C A | Closed | FCRE1500 | 2025-12-29 10:37 | 2026-01-07 12:14 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-US Passport provided. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Borr is a US Citizen. See attached US Passport. - Due Diligence Vendor-01/06/2026 <br> Open-Borrower Identification Documentation Missing. USA Patriot Act reflects borrower provided "Foreign Passport" as source of identification. xxx matrix requires a valid SSN & EAD and was not provided. - Due Diligence Vendor-12/29/2025 |  | Resolved-US Passport provided. - Due Diligence Vendor-01/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 10.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 62.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 182062 |  | C A | Closed | FCRE1167 | 2025-12-26 07:35 | 2025-12-30 10:36 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-See email from Insurer attached confirming 100% replacement cost coverage. - Due Diligence Vendor-12/29/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx. - Due Diligence Vendor-12/26/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 131.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 992580 |  | D A | Closed | FCRE1157 | 2025-12-26 10:06 | 2025-12-30 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/30/2025 <br>Ready for Review-EOI attached. - Due Diligence Vendor-12/29/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-12/26/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 111.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 363407 |  | C A | Closed | FCRE1500 | 2025-12-30 11:00 | 2026-01-06 10:09 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid EAD provided. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-EAD card attached. - Due Diligence Vendor-01/05/2026 <br>Open-Borrower is a Non Perm Resident Alien. B1 Non-US Citizen Identification Document missing. - Due Diligence Vendor-12/30/2025 |  | Resolved-Valid EAD provided. - Due Diligence Vendor-01/06/2026<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 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 72.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 5.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.26% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 52.26% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) 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 620 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 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 |
| 186329 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 499367 |  | D A C | Closed | FCRE1161 | 2025-12-29 17:47 | 2026-01-02 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Flood cert attached. - Due Diligence Vendor-12/31/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-12/29/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/02/2026<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 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 - 5.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 | Missing Flood Certificate. | 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 |
| 499367 |  | D A C | Closed | finding-3634 | 2025-12-29 23:14 | 2026-01-01 16:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Resolved- - Due Diligence Vendor-01/01/2026 <br> Ready for Review-COC and CDA invoice attached. - Due Diligence Vendor-12/31/2025 <br> Open-The following charges have been added: Appraisal (Review) Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Initial LE dated xxx reflects Appraisal Management Fee $0.00 however, Final CD dated xxx reflects the Appraisal Management Fee xxx. The fee (xxx) has been increased for Appraisal Management Fee which exceeds the 0% tolerance. Required valid COC or cure amount of xxx <br> - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 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 - 5.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 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 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 |
| 499367 |  | D A C | Closed | finding-3631 | 2025-12-29 23:14 | 2026-01-01 16:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Resolved- - Due Diligence Vendor-01/01/2026 <br> Ready for Review-COC and CDA invoice attached to other condition. - Due Diligence Vendor-12/31/2025 <br> Open-The following charges have been added: Appraisal (Review) Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 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 - 5.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  |  | 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 |
| 499367 |  | D A C | Closed | finding-3632 | 2025-12-29 23:14 | 2026-01-01 16:31 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Resolved- - Due Diligence Vendor-01/01/2026 <br> Ready for Review-COC and CDA invoice attached to other condition. - Due Diligence Vendor-12/31/2025 <br> Open-The following charges have been added: Appraisal (Review) Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 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 - 5.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  |  | 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 |
| 368192 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 185459 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 248073 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 377498 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 731413 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 488541 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 720769 |  | D A | Closed | finding-3634 | 2026-01-05 11:22 | 2026-01-06 11:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received additional supporting documentation - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Ready for Review-See amended COC details and appraisal invoice for 1004D. Increased charge was due to Rush Fee. - Due Diligence Vendor-01/05/2026 <br> Open-\*\*Received Final CD. Compliance test resulted in additional findings. The Appraisal Re-Inspection fee increased in CD issued xxx. COC in the file does not provide a valid COC reason in relation to the increase, only advised the fee increased. - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <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 xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-01/05/2026 |  | Resolved-\*\*Received additional supporting documentation - Due Diligence Vendor-01/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% 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 | Purchase | NA | N/A | N/A | xxx |
| 720769 |  | D A | Closed | finding-3631 | 2026-01-05 11:22 | 2026-01-06 11:11 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received additional supporting documentation<br> - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Ready for Review-See COC details and appraisal invoice uploaded to other condition. - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open-\*\*Received Final CD. Compliance test resulted in additional findings. The Appraisal Re-Inspection fee increased in CD issued xxx. COC in the file does not provide a valid COC reason in relation to the increase, only advised the fee increased. - Due Diligence Vendor-01/05/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/05/2026 |  | Resolved-\*\*Received additional supporting documentation<br> - Due Diligence Vendor-01/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 720769 |  | D A | Closed | finding-3632 | 2026-01-05 11:22 | 2026-01-06 11:11 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received additional supporting documentation - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Ready for Review-See COC details and appraisal invoice uploaded to other condition. - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open-\*\*Received Final CD. Compliance test resulted in additional findings. The Appraisal Re-Inspection fee increased in CD issued xxx. COC in the file does not provide a valid COC reason in relation to the increase, only advised the fee increased. - Due Diligence Vendor-01/05/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/05/2026 |  | Resolved-\*\*Received additional supporting documentation - Due Diligence Vendor-01/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 720769 |  | D A | Closed | FCOM1544 | 2025-12-31 01:21 | 2026-01-05 11:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Final CD attached - Due Diligence Vendor-01/02/2026 <br>Open-TRID: Missing Final Closing Disclosure .Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/31/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% 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 | Purchase | NA | N/A | N/A | xxx |
| 720769 |  | D A | Closed | FCRE5770 | 2025-12-30 23:20 | 2026-01-02 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Credit report attached - Due Diligence Vendor-01/02/2026 <br> Open-Borrower 1 Credit Report is Missing. Borrower 1 initial Credit Report is Missing. Application date @ xxx. GAP cbr in file, however scores not provided. - Due Diligence Vendor-12/31/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/02/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% 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 | Purchase | NA | N/A | N/A | xxx |
| 334077 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 974444 |  | 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 |  |  |  |
| 827033 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 236491 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 275277 |  | C A | Closed | finding-3634 | 2026-01-05 16:44 | 2026-01-07 11:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/07/2026 <br> Resolved- - Due Diligence Vendor-01/07/2026 <br> Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-01/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either added or increased: Loan Origination fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-01/07/2026<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 - 17.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.30 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 17.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 89.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | 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 |
| 275277 |  | C A | Closed | finding-3631 | 2026-01-05 16:44 | 2026-01-07 11:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-01/07/2026 <br>Resolved- - Due Diligence Vendor-01/07/2026 <br>Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-01/06/2026 <br>Open-tolerance cure findings - Due Diligence Vendor-01/06/2026 <br>Open- - Due Diligence Vendor-01/06/2026 <br>Open- - Due Diligence Vendor-01/05/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/05/2026 <br>Open- - Due Diligence Vendor-01/05/2026 |  | Resolved-Received COC - Due Diligence Vendor-01/07/2026<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 - 17.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.30 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 17.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 89.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | 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 |
| 275277 |  | C A | Closed | finding-3632 | 2026-01-05 16:44 | 2026-01-07 11:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-01/07/2026 <br>Resolved- - Due Diligence Vendor-01/07/2026 <br>Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-01/06/2026 <br>Open-tolerance cure findings - Due Diligence Vendor-01/06/2026 <br>Open- - Due Diligence Vendor-01/06/2026 <br>Open- - Due Diligence Vendor-01/05/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/05/2026 <br>Open- - Due Diligence Vendor-01/05/2026 |  | Resolved-Received COC - Due Diligence Vendor-01/07/2026<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 - 17.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.30 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 17.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 89.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | 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 |
| 503674 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 515757 |  | C A | Closed | FCRE5790 | 2026-01-06 13:38 | 2026-01-07 14:35 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Credit refresh report attached. - Due Diligence Vendor-01/06/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note date = xxx, credit update date xxx. - Due Diligence Vendor-01/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/07/2026<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.92% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 64.92% 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 | Purchase | NA | N/A | N/A | xxx |
| 550726 |  | C A | Closed | FCRE1155 | 2026-01-08 08:56 | 2026-01-21 12:58 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Lender confirmed Tape property address is incorrect. xxx is correct. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Correct subject property street address is xxx. - Due Diligence Vendor-01/20/2026 <br> Counter-Rebuttal states Corrected Note, DOT & Flood Cert however those are the same documents already in the Lenders loan file. Please confirm that the Tape information (xxx) that was provided is incorrect and that the Documents reflecting the property address of xxx is correct. - Due Diligence Vendor-01/16/2026 <br> Counter-Rebuttal states Corrected Note, DOT & Flood Cert however those are the same documents already in the Lenders loan file. Please confirm that the Tape information (xxx) that was provided is incorrect and that the Documents reflecting the property address of xxx is correct. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Corrected Note, DOT and flood cert attached. - Due Diligence Vendor-01/09/2026 <br> Open-Subject Property Address on Note does not match Tape data Property Address. Per Note, DOT, Flood, the address is xxx. Tape data reflects xxx. - Due Diligence Vendor-01/08/2026 |  | Resolved-Lender confirmed Tape property address is incorrect. xxx is correct. - Due Diligence Vendor-01/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 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 |
| 550726 |  | C A | Closed | FCRE1176 | 2026-01-08 01:33 | 2026-01-11 09:34 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-01/11/2026 <br> Ready for Review-See attached PCCD showing disbursement date of xxx. - Due Diligence Vendor-01/09/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-01/08/2026 |  | Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-01/11/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx | 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 |
| 550726 |  | C A | Closed | finding-47 | 2026-01-08 04:35 | 2026-01-09 10:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/09/2026 <br> Ready for Review-See PCCD showing disbursement date of xxx uploaded to other condition. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <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. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | 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 |
| 143851 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 561030 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 579104 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 784228 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 957391 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 773262 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 498928 |  | C A | Closed | FCRE1500 | 2026-01-09 07:01 | 2026-01-11 09:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-US Patriot Act Form provided - Due Diligence Vendor-01/11/2026 <br>Ready for Review-USA Patriot Act Form and DL attached. - Due Diligence Vendor-01/09/2026 <br>Open-Borrower Identification Documents Driving License is Missing in file. - Due Diligence Vendor-01/09/2026 |  | Resolved-US Patriot Act Form provided - Due Diligence Vendor-01/11/2026<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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 706170 |  | D A | Closed | FCRE6843 | 2026-01-10 11:04 | 2026-01-13 08:13 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Gift letter for xxx attached - Due Diligence Vendor-01/12/2026 <br> Open-Missing evidence of xxx Gift of Equity letter. - Due Diligence Vendor-01/10/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 69.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 706170 |  | D A | Closed | FCRE1467 | 2026-01-09 08:46 | 2026-01-13 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-No gift funds. Final funds to close were sent directly from borrower's bank acct (xxx). Wire receipt for funds to close, updated 1003 showing no gift funds (only gift of equity) and post-closing HUD1 attached. - Due Diligence Vendor-01/12/2026 <br> Open-Asset 1 Missing Asset 1, Gift of Cash xxx Gift letter and evidence of reciept is Missing - Due Diligence Vendor-01/09/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-01/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 69.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 437014 |  | C A | Closed | finding-3634 | 2026-01-09 23:43 | 2026-01-13 15:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/13/2026 <br> Ready for Review-COC details attached. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <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 xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-01/13/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 27.00 Years Borrower At Current Residence For Five (5) Or More Years - 27.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<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 - 10.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.77 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 - 27.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 49.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 437014 |  | C A | Closed | finding-3631 | 2026-01-09 23:43 | 2026-01-13 15:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/13/2026 <br>Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/11/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-01/13/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 27.00 Years Borrower At Current Residence For Five (5) Or More Years - 27.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<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 - 10.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.77 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 - 27.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 49.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 437014 |  | C A | Closed | finding-3632 | 2026-01-09 23:43 | 2026-01-13 15:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/13/2026 <br>Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/11/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-01/13/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 27.00 Years Borrower At Current Residence For Five (5) Or More Years - 27.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<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 - 10.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.77 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 - 27.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 49.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 481477 |  | C A | Closed | FCRE5790 | 2026-01-09 16:34 | 2026-01-12 15:55 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Updated credit refresh attached. - Due Diligence Vendor-01/12/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note date = xxx & GAP cbr date xxx. - Due Diligence Vendor-01/09/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/12/2026<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 10.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 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 |
| 281534 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 571748 |  | C A | Closed | finding-3652 | 2026-01-09 09:05 | 2026-01-13 17:37 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC - Due Diligence Vendor-01/13/2026 <br> Ready for Review-COC details attached. - Due Diligence Vendor-01/12/2026 <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 (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*Section J's non-specific lender credit decreased to xxx. The original file does not contain a valid COC reason in relation to the decrease. - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Received COC - Due Diligence Vendor-01/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 21.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.91 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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 22.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years |  | 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 |
| 571748 |  | C A | Closed | finding-3631 | 2026-01-09 09:05 | 2026-01-13 17:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received PCCD - Due Diligence Vendor-01/13/2026 <br> Ready for Review-PCCD attached. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*Final Recording Fee increased to xxx in the Final CD exceeding the 10% threshold from the initial baseline set by the Initial LE. The original file does not contain a valid COC reason in relation to the increase. - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Received PCCD - Due Diligence Vendor-01/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 21.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.91 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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 22.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years |  | 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 |
| 571748 |  | C A | Closed | finding-3632 | 2026-01-09 09:05 | 2026-01-13 17:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD - Due Diligence Vendor-01/13/2026 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*Final Recording Fee increased to xxx in the Final CD exceeding the 10% threshold from the initial baseline set by the Initial LE. The original file does not contain a valid COC reason in relation to the increase. - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Received PCCD - Due Diligence Vendor-01/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 21.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.91 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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 22.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years |  |  | 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 |
| 571748 |  | C A | Closed | finding-3635 | 2026-01-09 09:05 | 2026-01-13 17:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD - Due Diligence Vendor-01/13/2026 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*Final Recording Fee increased to xxx in the Final CD exceeding the 10% threshold from the initial baseline set by the Initial LE. The original file does not contain a valid COC reason in relation to the increase. - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <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% ($xxx) exceed the comparable charges (xxx) 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). - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Received PCCD - Due Diligence Vendor-01/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 - 21.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.91 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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 117.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 - 22.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years |  |  | 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 |
| 657584 |  | C A | Closed | FCRE1159 | 2026-01-09 16:48 | 2026-01-13 11:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Final HUD disbursement date is xxx - Due Diligence Vendor-01/13/2026 <br> Ready for Review-See PC-HUD1 showing xxx settlement date uploaded to other condition. - Due Diligence Vendor-01/12/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-01/09/2026 |  | Resolved-Final HUD disbursement date is xxx - Due Diligence Vendor-01/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 150.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.17% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 45.17% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 657584 |  | C A | Closed | FCRE1178 | 2026-01-09 16:48 | 2026-01-13 11:24 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Final HUD disbursement date is xxx - Due Diligence Vendor-01/13/2026 <br> Ready for Review-See PC-HUD1 showing xxx settlement date. - Due Diligence Vendor-01/12/2026 <br> Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-01/09/2026 |  | Resolved-Final HUD disbursement date is xxx - Due Diligence Vendor-01/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 150.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.17% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 45.17% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 844357 |  | D A | Closed | FCOM1544 | 2026-01-09 09:19 | 2026-01-14 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure or Final Settlement Statement Provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Final HUD1 signed at closing attached. - Due Diligence Vendor-01/12/2026 <br>Open-Missing Final Closing Disclosure or Final Settlement Statement. - Due Diligence Vendor-01/09/2026 |  | Resolved-TRID: Final Closing Disclosure or Final Settlement Statement Provided - Due Diligence Vendor-01/14/2026<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 60.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 131.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 819540 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 737774 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 323587 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 121923 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 301990 |  | C A | Closed | finding-47 | 2026-01-13 12:24 | 2026-01-14 17:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-PCCD attached - Due Diligence Vendor-01/14/2026 <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. he 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 - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-01/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 62.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 - 5.26 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.26 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.17% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 431292 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 300735 |  | C A | Closed | FCRE1183 | 2026-01-13 06:21 | 2026-01-15 16:34 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Updated 1008 attached. - Due Diligence Vendor-01/14/2026 <br>Open-1008/Underwriting Summary Partially Provided Final 1008 Showing High DTI updated as per Documents and DTI reflect same with lock Confirmation please provide updated 1008 - Due Diligence Vendor-01/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 - 41.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.00 Years |  | 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 |
| 300735 |  | C A | Closed | FCRE5790 | 2026-01-13 05:42 | 2026-01-15 16:33 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Updated credit refresh attached. - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP date = xxx, Note date = xxx. - Due Diligence Vendor-01/13/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/15/2026<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 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 - 41.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.00 Years |  | 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 |
| 188088 |  | C A | Closed | FCRE9488 | 2026-01-13 09:57 | 2026-01-14 12:39 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Updated 1003 provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Corrected URLA showing section 5a as investment attached. - Due Diligence Vendor-01/13/2026 <br>Open-Potential Occupancy Issue identified in the file. Final loan application indicates in section 4a that the occupancy = Investment. Section 5a indicates primary. Occupancy and Financial Status Affadavit reflects Investment. - Due Diligence Vendor-01/13/2026 |  | Resolved-Updated 1003 provided - Due Diligence Vendor-01/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 64.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 5.43 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.43 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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Borrower At Current Residence For Five (5) Or More Years - 5.08 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 819502 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 808842 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 448578 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 638073 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 301282 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 648548 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 894914 |  | D A | Closed | FCRE1150 | 2026-01-14 16:37 | 2026-01-16 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Subordination Agreement is Missing | Resolved-Solar Panel (xxx) documentation provided. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-See attached Notice of an Independent Solar Energy Producer Contract showing it is not a lien or encumbrance against the property. - Due Diligence Vendor-01/15/2026 <br> Open-Existing 2nd lien is present on loan and no subordination agreement is provided. Existing Financing with xxx (leased solar panales) is present on property and no subordination agreement is provided. See items 8 & 9 on Prelimnary Title report. - Due Diligence Vendor-01/14/2026 |  | Resolved-Solar Panel (xxx) documentation provided. - Due Diligence Vendor-01/16/2026 | 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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<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 - 11.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.25 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 0.15 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | 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 |
| 193327 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 623951 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 418435 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 988411 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 977539 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 653147 |  | D A | Closed | FCOM8891 | 2026-01-15 16:21 | 2026-01-16 08:08 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Received FCD - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Signed final CD uploaded to other condition. - Due Diligence Vendor-01/15/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-01/15/2026 |  | Resolved-Received FCD - Due Diligence Vendor-01/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | 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 |
| 653147 |  | D A | Closed | FCOM1544 | 2026-01-14 14:23 | 2026-01-16 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided \*\*Received FCD - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Signed final CD attached. - Due Diligence Vendor-01/15/2026 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/15/2026 |  | Resolved-TRID: Final Closing Disclosure Provided \*\*Received FCD - Due Diligence Vendor-01/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 769858 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 444864 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 674264 |  | D A | Closed | FCRE1158 | 2026-01-14 17:35 | 2026-01-18 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/18/2026 <br>Ready for Review-Verification of HOI premium attached - Due Diligence Vendor-01/16/2026 <br>Counter-The HOI Policy provided is missing the Annual HOI Premium - Due Diligence Vendor-01/16/2026 <br>Ready for Review-EOI attached - Due Diligence Vendor-01/15/2026 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. - Due Diligence Vendor-01/14/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/18/2026<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 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.83% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.19 Are Greater Than The Guideline Minimum Of 3 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 |
| 135944 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 791716 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 536391 |  | D A | Closed | FCRE0363 | 2026-01-16 06:20 | 2026-01-18 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Final HUD-1 Document is Unexecuted | Resolved-Signed Final HUD provided - Due Diligence Vendor-01/18/2026 <br>Ready for Review-Signed final HUD1 attached. - Due Diligence Vendor-01/16/2026 <br>Open-Settlement Statement HUD document is on page no 275, however, there is no signature on the document. - Due Diligence Vendor-01/16/2026 |  | Resolved-Signed Final HUD provided - Due Diligence Vendor-01/18/2026<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.3 Are Greater Than The Guideline Minimum Of 3 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 |
| 788218 |  | 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 |  |  |  |
| 136004 |  | 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 |  |  |  |
| 169086 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 468288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 242974 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839430 |  | C A | Closed | FCRE1168 | 2026-01-19 08:34 | 2026-01-23 11:19 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of $- Due Diligence Vendor-01/23/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of xxx - Due Diligence Vendor-01/23/2026 <br> Ready for Review-See HOI dec page with Increased Repl Cost on Dwelling endorsement (xxx) with endorsement details attached. - Due Diligence Vendor-01/22/2026 <br> Counter-The HOI Policy in the Lenders Loan file does not reflect 125% increase in dwelling cost. Please provide full HOI policy reflecting this extended coverage. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Policy includes 125% extended replacement cost. - Due Diligence Vendor-01/20/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx. - Due Diligence Vendor-01/20/2026 |  | Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of $- Due Diligence Vendor-01/23/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of xxx - Due Diligence Vendor-01/23/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.17 Years Borrower At Current Residence For Five (5) Or More Years - 20.17 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 - 8.94 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.94 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 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 |
| 213552 |  | C B A | Closed | FCRE5000 | 2026-01-20 14:40 | 2026-01-26 12:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Exception granted with supporting comp factors: The exception of allowing the borrower to exceed the maximum allowable 10 financed properties, with a total of 15 mortgaged properties has been approved - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Exception approval attached. - Due Diligence Vendor-01/24/2026 <br>Open-Number of Mortgaged Properties of 15 exceeds max allowable of 10 properties without management exception. - Due Diligence Vendor-01/20/2026 |  | Waived-Exception granted with supporting comp factors: The exception of allowing the borrower to exceed the maximum allowable 10 financed properties, with a total of 15 mortgaged properties has been approved - Due Diligence Vendor-01/26/2026<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.85% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 74.85% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 312.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Mon Months Reserves Of 312.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Strong credit profile: Borrower maintains a xxx FICO score with no history of mortgage lates, demonstrating consistent and responsible credit management across multiple financed properties.<br> Seasoned real estate investor: Borrower has extensive experience managing a large rental portfolio, indicating the operational capacity to sustain multiple properties successfully.<br> Strong asset position: Borrower holds substantial liquid and retirement assets, providing significant financial reserves to support obligations and mitigate risk.<br> Cash flow strength: Subject property demonstrates a DSCR above 1.0, confirming the property's ability to service its own debt independent of borrower income. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 428047 |  | D A | Closed | FCRE1503 | 2026-01-19 05:32 | 2026-01-22 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-xxx closed Loan, Note & CD provided. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-See Note & PCCD for xxx, loan xxx.<br> - Due Diligence Vendor-01/21/2026 <br> Open-Mortgage Statement(s)\terms of financing Missing for non-subject property located at xxx. See xxx loan xxx.<br> - Due Diligence Vendor-01/19/2026 |  | Resolved-Newly closed Loan, Note & CD provided. - Due Diligence Vendor-01/22/2026<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 - 13.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.83 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 - 13.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 17.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.49% 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 | Purchase | NA | N/A | N/A | xxx |
| 428047 |  | D A | Closed | FCRE1469 | 2026-01-20 15:35 | 2026-01-22 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Ready for Review-See final settlement statement for loan xxx showing cash to borrower - xxx - Due Diligence Vendor-01/21/2026 <br> Open-Missing evidence of cash out proceeds from loan xxx in the amount of @xxx. - Due Diligence Vendor-01/20/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026<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 - 13.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.83 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 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 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 - 13.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 Years<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 17.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.49% 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 | Purchase | NA | N/A | N/A | xxx |
| 334889 |  | 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 |  |  |  |
| 545852 |  | 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 |  |  |  |
| 521824 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 701967 |  | C A | Closed | FCRE1500 | 2026-01-22 13:51 | 2026-01-29 13:05 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-01/29/2026 <br> Ready for Review-See attached Document showing EIN for xxx - Due Diligence Vendor-01/28/2026 <br> Open-Borrower Identification Documentation Missing for business entity. Loan file does not evidence of EIN for xxx. - Due Diligence Vendor-01/22/2026 |  |  | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years Borrower At Current Residence For Five (5) Or More Years - 9.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 129.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 129.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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 640 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 720860 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 385627 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 609560 |  |  | xxx D A |
| 903754 |  |  | xxx D A |
| 933349 |  |  | xxx D C A |
| 393650 |  |  | xxx A |
| 737146 |  |  | xxx D A |
| 280850 |  |  | xxx D A |
| 629738 |  |  | xxx A D |
| 253878 |  |  | xxx A |
| 135464 |  |  | xxx C A |
| 704579 |  |  | xxx A B |
| 133949 |  |  | xxx A |
| 543698 |  |  | xxx D A |
| 413221 |  |  | xxx D A |
| 460975 |  |  | xxx A C B |
| 343780 |  |  | xxx D A |
| 796931 |  |  | xxx D A |
| 551485 |  |  | xxx A |
| 240196 |  |  | xxx A |
| 909691 |  |  | xxx D A |
| 861894 |  |  | xxx A |
| 784170 |  |  | xxx A B |
| 848945 |  |  | xxx A |
| 414445 |  |  | xxx A D |
| 189249 |  |  | xxx A D |
| 629746 |  |  | xxx D A |
| 533212 |  |  | xxx D A C B |
| 256302 |  |  | xxx A D |
| 637200 |  |  | xxx A |
| 944666 |  |  | xxx A |
| 706438 |  |  | xxx A D |
| 976058 |  |  | xxx A D |
| 451325 |  |  | xxx D A |
| 264799 |  |  | xxx D A |
| 238502 |  |  | xxx A C |
| 570044 |  |  | xxx C A |
| 632781 |  |  | xxx A D |
| 771904 |  |  | xxx A D |
| 120220 |  |  | xxx D A |
| 630603 |  |  | xxx D A |
| 649807 |  |  | xxx A |
| 660422 |  |  | xxx A |
| 980281 |  |  | xxx A |
| 327990 |  |  | xxx A |
| 558880 |  |  | xxx C A |
| 993841 |  |  | xxx A |
| 469614 |  |  | xxx A |
| 812828 |  |  | xxx A |
| 661442 |  |  | xxx A |
| 995604 |  |  | xxx A |
| 955373 |  |  | xxx A |
| 659494 |  |  | xxx A |
| 389111 |  |  | xxx A |
| 221356 |  |  | xxx A |
| 321976 |  |  | xxx A |
| 266366 |  |  | xxx A |
| 948809 |  |  | xxx D A |
| 983240 |  |  | xxx D A |
| 477591 |  |  | xxx A |
| 470944 |  |  | xxx A |
| 127462 |  |  | xxx D A |
| 603289 |  |  | xxx C A |
| 891260 |  |  | xxx D A |
| 266463 |  |  | xxx A |
| 980518 |  |  | xxx A |
| 979729 |  |  | xxx A |
| 968114 |  |  | xxx A |
| 686403 |  |  | xxx A |
| 862524 |  |  | xxx A |
| 791708 |  |  | xxx A B |
| 256053 |  |  | xxx D A |
| 886380 |  |  | xxx A |
| 169344 |  |  | xxx A |
| 131549 |  |  | xxx A |
| 959697 |  |  | xxx C A |
| 848007 |  |  | xxx A B |
| 207222 |  |  | xxx A |
| 903586 |  |  | xxx D A |
| 666940 |  |  | xxx D A |
| 548338 |  |  | xxx A |
| 369020 |  |  | xxx D A |
| 484549 |  |  | xxx A |
| 339769 |  |  | xxx A B |
| 596244 |  |  | xxx A |
| 414743 |  |  | xxx D A |
| 925874 |  |  | xxx A |
| 728036 |  |  | xxx A |
| 882383 |  |  | xxx D A C |
| 266021 |  |  | xxx A |
| 675379 |  |  | xxx A |
| 507056 |  |  | xxx A |
| 976183 |  |  | xxx A |
| 827109 |  |  | xxx A |
| 841532 |  |  | xxx D A |
| 783288 |  |  | xxx A |
| 939794 |  |  | xxx A |
| 116872 |  |  | xxx A C |
| 517687 |  |  | xxx A |
| 708616 |  |  | xxx B C A |
| 687752 |  |  | xxx B A |
| 190059 |  |  | xxx A |
| 920919 |  |  | xxx D A |
| 539188 |  |  | xxx A |
| 688695 |  |  | xxx A |
| 475910 |  |  | xxx A |
| 292543 |  |  | xxx D A |
| 747613 |  |  | xxx C A |
| 407202 |  |  | xxx A |
| 589195 |  |  | xxx A |
| 789923 |  |  | xxx A C |
| 257787 |  |  | xxx A |
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| 628798 |  |  | xxx A |
| 698553 |  |  | xxx A |
| 894998 |  |  | xxx D A |
| 396792 |  |  | xxx A |
| 755435 |  |  | xxx A |
| 388209 |  |  | xxx B A |
| 916083 |  |  | xxx A |
| 504711 |  |  | xxx A |
| 805771 |  |  | xxx A |
| 590892 |  |  | xxx D A |
| 521823 |  |  | xxx A |
| 867159 |  |  | xxx C A |
| 852528 |  |  | xxx D C A |
| 956644 |  |  | xxx A |
| 810580 |  |  | xxx C A |
| 563212 |  |  | xxx C A |
| 218538 |  |  | xxx A |
| 135874 |  |  | xxx A |
| 856998 |  |  | xxx A |
| 895368 |  |  | xxx A C |
| 857409 |  |  | xxx C A D |
| 500102 |  |  | xxx C A |
| 604483 |  |  | xxx A |
| 335254 |  |  | xxx A |
| 760395 |  |  | xxx A |
| 599439 |  |  | xxx B C A |
| 749036 |  |  | xxx C A |
| 575902 |  |  | xxx A |
| 448720 |  |  | xxx A |
| 553000 |  |  | xxx A C |
| 898023 |  |  | xxx C D A |
| 346729 |  |  | xxx A |
| 681775 |  |  | xxx A |
| 632446 |  |  | xxx A |
| 338928 |  |  | xxx A |
| 473288 |  |  | xxx A |
| 553618 |  |  | xxx A |
| 325947 |  |  | xxx B A D |
| 670232 |  |  | xxx A |
| 761611 |  |  | xxx D C A |
| 884184 |  |  | xxx A |
| 621789 |  |  | xxx D A |
| 822195 |  |  | xxx A |
| 260380 |  |  | xxx A |
| 697133 |  |  | xxx D A |
| 775493 |  |  | xxx A |
| 485443 |  |  | xxx D A |
| 233302 |  |  | xxx A |
| 613598 |  |  | xxx C A |
| 691298 |  |  | xxx C A |
| 652500 |  |  | xxx A |
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| 266681 |  |  | xxx A |
| 303416 |  |  | xxx A |
| 720492 |  |  | xxx A |
| 439855 |  |  | xxx A |
| 845628 |  |  | xxx A |
| 556142 |  |  | xxx A |
| 587667 |  |  | xxx D A |
| 152911 |  |  | xxx A |
| 248898 |  |  | xxx A |
| 861309 |  |  | xxx A |
| 705999 |  |  | xxx A C |
| 577969 |  |  | xxx A |
| 391809 |  |  | xxx D A |
| 261732 |  |  | xxx D A |
| 524389 |  |  | xxx A D |
| 602631 |  |  | xxx A |
| 670333 |  |  | xxx A |
| 970276 |  |  | xxx A |
| 896638 |  |  | xxx A C |
| 819349 |  |  | xxx A C |
| 160276 |  |  | xxx D C A |
| 597979 |  |  | xxx A |
| 816127 |  |  | xxx D A |
| 116735 |  |  | xxx A |
| 975152 |  |  | xxx D A |
| 716108 |  |  | xxx A |
| 202127 |  |  | xxx A |
| 377336 |  |  | xxx D A |
| 950712 |  |  | xxx A |
| 675761 |  |  | xxx A |
| 657612 |  |  | xxx A |
| 748517 |  |  | xxx A |
| 652948 |  |  | xxx A |
| 703149 |  |  | xxx A |
| 873286 |  |  | xxx A C |
| 853638 |  |  | xxx A |
| 684999 |  |  | xxx A |
| 326091 |  |  | xxx D A |
| 445069 |  |  | xxx A |
| 208135 |  |  | xxx C A |
| 629923 |  |  | xxx A C |
| 461642 |  |  | xxx A |
| 514438 |  |  | xxx A C |
| 708505 |  |  | xxx A |
| 437639 |  |  | xxx C A |
| 918416 |  |  | xxx A |
| 190535 |  |  | xxx D A |
| 226998 |  |  | xxx D A |
| 137220 |  |  | xxx A C B |
| 664976 |  |  | xxx A |
| 340394 |  |  | xxx C B A |
| 419420 |  |  | xxx C A |
| 403684 |  |  | xxx A |
| 222995 |  |  | xxx A |
| 272408 |  |  | xxx A |
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| 532090 |  |  | xxx A |
| 265857 |  |  | xxx C A |
| 275485 |  |  | xxx A C |
| 635329 |  |  | xxx A |
| 456670 |  |  | xxx A |
| 191539 |  |  | xxx D A |
| 505255 |  |  | xxx A |
| 134327 |  |  | xxx D A |
| 180712 |  |  | xxx A C |
| 483547 |  |  | xxx A |
| 628130 |  |  | xxx A |
| 942686 |  |  | xxx A C |
| 499893 |  |  | xxx A |
| 693730 |  |  | xxx A |
| 173000 |  |  | xxx C A |
| 506172 |  |  | xxx D A |
| 604949 |  |  | xxx D A |
| 951728 |  |  | xxx A |
| 208953 |  |  | xxx A |
| 755730 |  |  | xxx A C |
| 480846 |  |  | xxx C A |
| 154034 |  |  | xxx A |
| 800883 |  |  | xxx A |
| 861079 |  |  | xxx A |
| 516099 |  |  | xxx A |
| 668157 |  |  | xxx A |
| 546119 |  |  | xxx C A |
| 382950 |  |  | xxx D A |
| 519713 |  |  | xxx C A |
| 757171 |  |  | xxx A |
| 546801 |  |  | xxx A |
| 417678 |  |  | xxx A |
| 157482 |  |  | xxx A |
| 717643 |  |  | xxx A |
| 785236 |  |  | xxx A B |
| 922000 |  |  | xxx A |
| 191232 |  |  | xxx D A |
| 718276 |  |  | xxx D A |
| 477319 |  |  | xxx A |
| 929918 |  |  | xxx A |
| 149379 |  |  | xxx A |
| 500443 |  |  | xxx A |
| 946981 |  |  | xxx A |
| 351138 |  |  | xxx D A |
| 970341 |  |  | xxx D A |
| 649469 |  |  | xxx A |
| 468278 |  |  | xxx C A |
| 235536 |  |  | xxx A |
| 286819 |  |  | xxx C A |
| 555617 |  |  | xxx C A |
| 435961 |  |  | xxx D A |
| 264392 |  |  | xxx A |
| 831720 |  |  | xxx D A |
| 243909 |  |  | xxx A |
| 257086 |  |  | xxx A C |
| 201346 |  |  | xxx D A |
| 649432 |  |  | xxx A |
| 242359 |  |  | xxx A |
| 446353 |  |  | xxx A |
| 308905 |  |  | xxx A |
| 978629 |  |  | xxx A |
| 615499 |  |  | xxx A |
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| 942400 |  |  | xxx A |
| 457917 |  |  | xxx A |
| 979499 |  |  | xxx A |
| 128512 |  |  | xxx A |
| 360259 |  |  | xxx A |
| 740750 |  |  | xxx D A |
| 744303 |  |  | xxx C A |
| 579147 |  |  | xxx A |
| 259725 |  |  | xxx A |
| 507331 |  |  | xxx C A B |
| 346065 |  |  | xxx A |
| 952661 |  |  | xxx A |
| 290404 |  |  | xxx A |
| 576088 |  |  | xxx A |
| 682459 |  |  | xxx A |
| 270975 |  |  | xxx D A |
| 998050 |  |  | xxx A |
| 448796 |  |  | xxx D A |
| 319421 |  |  | xxx A |
| 320454 |  |  | xxx A |
| 529265 |  |  | xxx A |
| 893948 |  |  | xxx A |
| 473933 |  |  | xxx C A |
| 329145 |  |  | xxx A |
| 542297 |  |  | xxx A |
| 820462 |  |  | xxx A |
| 844511 |  |  | xxx A |
| 427455 |  |  | xxx A |
| 512756 |  |  | xxx C A |
| 341652 |  |  | xxx A |
| 686459 |  |  | xxx A |
| 735920 |  |  | xxx A |
| 478842 |  |  | xxx A |
| 517470 |  |  | xxx A D |
| 428175 |  |  | xxx A |
| 585153 |  |  | xxx A D |
| 510789 |  |  | xxx C A |
| 636061 |  |  | xxx A |
| 542109 |  |  | xxx A |
| 679285 |  |  | xxx C A |
| 328974 |  |  | xxx C A |
| 887824 |  |  | xxx A |
| 303100 |  |  | xxx D A |
| 923698 |  |  | xxx A |
| 650864 |  |  | xxx C A |
| 387983 |  |  | xxx A |
| 220788 |  |  | xxx A |
| 466243 |  |  | xxx A |
| 171484 |  |  | xxx A |
| 171906 |  |  | xxx C A B |
| 225530 |  |  | xxx C A |
| 210366 |  |  | xxx A D |
| 283739 |  |  | xxx D A |
| 499488 |  |  | xxx A |
| 412137 |  |  | xxx D A |
| 547354 |  |  | xxx C A B |
| 188916 |  |  | xxx A C |
| 877032 |  |  | xxx A |
| 284959 |  |  | xxx A |
| 836194 |  |  | xxx A |
| 402275 |  |  | xxx C A |
| 488447 |  |  | xxx D C A |
| 913431 |  |  | xxx A D |
| 317637 |  |  | xxx A |
| 792601 |  |  | xxx A |
| 873307 |  |  | xxx A |
| 787147 |  |  | xxx A |
| 817389 |  |  | xxx C A |
| 817722 |  |  | xxx D A |
| 930923 |  |  | xxx A |
| 118568 |  |  | xxx A D |
| 707052 |  |  | xxx A |
| 965385 |  |  | xxx A |
| 335616 |  |  | xxx D C A |
| 736780 |  |  | xxx A |
| 912263 |  |  | xxx C D A |
| 281523 |  |  | xxx A |
| 797675 |  |  | xxx A |
| 447060 |  |  | xxx D A |
| 286202 |  |  | xxx A |
| 138101 |  |  | xxx A B |
| 554699 |  |  | xxx A |
| 708352 |  |  | xxx D C A |
| 627329 |  |  | xxx A |
| 262022 |  |  | xxx C A B |
| 944825 |  |  | xxx A |
| 581151 |  |  | xxx A |
| 189728 |  |  | xxx A |
| 173130 |  |  | xxx A |
| 121002 |  |  | xxx A |
| 945859 |  |  | xxx A |
| 825820 |  |  | xxx A |
| 133806 |  |  | xxx A |
| 248044 |  |  | xxx A |
| 701670 |  |  | xxx C A |
| 514358 |  |  | xxx A |
| 401177 |  |  | xxx A |
| 742844 |  |  | xxx A D |
| 964784 |  |  | xxx A |
| 882874 |  |  | xxx C A |
| 599595 |  |  | xxx C A |
| 598180 |  |  | xxx A |
| 506281 |  |  | xxx A C |
| 797878 |  |  | xxx A |
| 517333 |  |  | xxx A |
| 126083 |  |  | xxx A |
| 529578 |  |  | xxx A |
| 155994 |  |  | xxx A |
| 775784 |  |  | xxx A |
| 928904 |  |  | xxx A |
| 640392 |  |  | xxx C A |
| 188013 |  |  | xxx A |
| 856794 |  |  | xxx C A |
| 182062 |  |  | xxx C A |
| 992580 |  |  | xxx D A |
| 363407 |  |  | xxx C A |
| 186329 |  |  | xxx A |
| 499367 |  |  | xxx D C A |
| 368192 |  |  | xxx A |
| 185459 |  |  | xxx A |
| 248073 |  |  | xxx A |
| 377498 |  |  | xxx A |
| 731413 |  |  | xxx A |
| 488541 |  |  | xxx A |
| 720769 |  |  | xxx D A |
| 334077 |  |  | xxx A |
| 974444 |  |  | xxx A |
| 827033 |  |  | xxx A |
| 236491 |  |  | xxx A |
| 275277 |  |  | xxx A C |
| 503674 |  |  | xxx A |
| 515757 |  |  | xxx C A |
| 550726 |  |  | xxx C A |
| 143851 |  |  | xxx A |
| 561030 |  |  | xxx A |
| 579104 |  |  | xxx A |
| 784228 |  |  | xxx A |
| 957391 |  |  | xxx A |
| 773262 |  |  | xxx A |
| 498928 |  |  | xxx C A |
| 706170 |  |  | xxx D A |
| 437014 |  |  | xxx A C |
| 481477 |  |  | xxx C A |
| 281534 |  |  | xxx A |
| 571748 |  |  | xxx A C |
| 657584 |  |  | xxx C A |
| 844357 |  |  | xxx A D |
| 819540 |  |  | xxx A |
| 737774 |  |  | xxx A |
| 323587 |  |  | xxx A |
| 121923 |  |  | xxx A |
| 301990 |  |  | xxx A C |
| 431292 |  |  | xxx A |
| 300735 |  |  | xxx C A |
| 188088 |  |  | xxx C A |
| 819502 |  |  | xxx A |
| 808842 |  |  | xxx A |
| 448578 |  |  | xxx A |
| 638073 |  |  | xxx A |
| 301282 |  |  | xxx A |
| 648548 |  |  | xxx A |
| 894914 |  |  | xxx D A |
| 193327 |  |  | xxx A |
| 623951 |  |  | xxx A |
| 418435 |  |  | xxx A |
| 988411 |  |  | xxx A |
| 977539 |  |  | xxx A |
| 653147 |  |  | xxx A D |
| 769858 |  |  | xxx A |
| 444864 |  |  | xxx A |
| 674264 |  |  | xxx D A |
| 135944 |  |  | xxx A |
| 791716 |  |  | xxx A |
| 536391 |  |  | xxx D A |
| 788218 |  |  | xxx A |
| 136004 |  |  | xxx A |
| 169086 |  |  | xxx A |
| 468288 |  |  | xxx A |
| 242974 |  |  | xxx A |
| 839430 |  |  | xxx C A |
| 213552 |  |  | xxx C A B |
| 428047 |  |  | xxx D A |
| 334889 |  |  | xxx A |
| 545852 |  |  | xxx A |
| 521824 |  |  | xxx A |
| 701967 |  |  | xxx C A |
| 720860 |  |  | xxx A |
| 385627 |  |  | xxx A |

---

---

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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** |
| 609560 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903754 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 933349 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 393650 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 737146 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 280850 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 629738 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 253878 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 135464 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Excellent | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 704579 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | None - Appraisal Waiver |  |  |  | xxx | 70.0 | 70.0 | xxx | xxx | .0061 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0061 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 133949 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 543698 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 413221 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 67.33 | 67.33 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx Eligible |  |  |
| 460975 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | None - Appraisal Waiver |  |  |  | xxx | 80.0 | 80.0 | xxx | xxx | .0089 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0089 | 84.0 | 0.16 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .2444 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 343780 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796931 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 551485 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 240196 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 909691 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | -.0023 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0023 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 861894 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 784170 |  |  | xxx | xxx | xxx | xxx | xxx |  | None - Appraisal Waiver |  |  |  | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | 0.0 | .0000 | 96.0 | 0.04 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848945 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 74.93 | 74.93 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 414445 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 73.98 | 73.98 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 189249 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 629746 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 533212 |  |  | xxx | xxx | xxx | xxx | xxx |  | None - Appraisal Waiver |  |  |  | xxx | 80.0 | 80.0 | xxx | xxx | .0014 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0014 | 80.0 | 0.2 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0014 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 256302 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 62.42 | 62.42 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 637200 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 944666 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 706438 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 62.99 | 62.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 976058 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 64.62 | 64.62 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 451325 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 264799 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 238502 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 570044 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 632781 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | xxx | -.0250 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0250 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 771904 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | xxx | -.0418 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0418 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 120220 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 630603 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 72.88 | 72.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 649807 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 660422 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 980281 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 327990 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 71.43 | 71.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 558880 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 993841 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 469614 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.12 | 74.12 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 812828 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 661442 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 995604 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 79.41 | 79.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 955373 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 659494 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 389111 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 221356 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 321976 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 266366 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 948809 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Excellent | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 983240 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 477591 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 470944 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 127462 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 73.38 | 73.38 | xxx | xxx | -.0059 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0059 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 603289 |  |  | xxx | xxx |  | xxx | xxx |  | None - Appraisal Waiver |  |  |  | xxx | 68.61 | 68.61 | xxx | xxx | -.0844 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0844 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 891260 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 266463 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 980518 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 979729 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 968114 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 686403 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 862524 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 791708 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | None - Appraisal Waiver |  |  |  | xxx | 75.0 | 75.0 | xxx | xxx | .1778 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .1778 | 90.0 | 0.1 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 256053 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 886380 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 169344 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 77.52 | 77.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 131549 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 959697 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848007 |  |  | xxx | xxx |  | xxx | xxx | xxx | None - Appraisal Waiver |  |  |  | xxx | 62.86 | 62.86 | xxx | xxx | .0048 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0048 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 207222 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 903586 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 666940 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) | xxx | xxx | -.0213 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0213 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 548338 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.5 | xxx |
| 369020 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 484549 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 339769 |  |  | xxx | xxx | xxx | xxx | xxx |  | None - Appraisal Waiver |  |  |  | xxx | 80.0 | 80.0 | xxx | xxx | .0062 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0062 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 596244 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 414743 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 71.16 | 71.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 925874 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 728036 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 882383 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 266021 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 675379 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 73.72 | 73.72 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 507056 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 976183 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 827109 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.15 | 68.15 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 841532 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 783288 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 939794 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.81 | 51.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 116872 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.3 | xxx |
| 517687 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 708616 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 687752 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.3 | xxx |
| 190059 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 920919 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.49 | 74.49 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 539188 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 688695 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 475910 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 292543 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 747613 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 65.35 | 65.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 407202 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 589195 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 789923 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 52.98 | 52.98 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 257787 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.68 | 67.68 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 767874 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.74 | 74.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 628798 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 698553 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.71 | 79.71 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 894998 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 396792 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 755435 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 388209 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.74 | 59.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 916083 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.61 | 62.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 504711 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 805771 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 590892 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 521823 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.84 | 62.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.2 | xxx |
| 867159 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.53 | 74.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 852528 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.0 | 55.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 956644 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 73.37 | 73.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 810580 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 563212 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 218538 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 135874 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.54 | 61.54 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856998 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 895368 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.86 | 74.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 857409 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 500102 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 604483 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.43 | 30.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.2 | xxx |
| 335254 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 760395 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 65.09 | 65.09 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 599439 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.25 | 64.25 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2 | xxx |
| 749036 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 575902 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 448720 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 553000 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 71.77 | 71.77 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 898023 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.3 | xxx |
| 346729 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 681775 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 632446 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.45 | 54.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 338928 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 473288 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 553618 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 325947 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.0 | 73.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 670232 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.33 | 53.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 761611 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.95 | 69.95 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 884184 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 621789 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.99 | 74.99 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 822195 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 260380 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.69 | 74.69 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 697133 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 775493 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.77 | 69.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 485443 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 45.0 | 45.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 233302 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 613598 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 691298 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 652500 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.69 | 48.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 493499 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 266681 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 303416 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 720492 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 69.75 | 69.75 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 439855 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.74 | 58.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 845628 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.73 | 57.73 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 556142 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 48.33 | 48.33 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 587667 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 152911 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 248898 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 861309 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 69.75 | 69.75 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 705999 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 25.93 | 25.93 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 577969 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 52.24 | 52.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 391809 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 261732 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 524389 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.93 | 79.93 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 602631 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 670333 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 970276 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 896638 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.74 | 73.74 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 819349 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 160276 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 |  |  |  |  |  |  |  |  | xxx | xxx | .0030 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 597979 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 816127 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 116735 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.95 | 54.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 975152 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 716108 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 202127 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.96 | 62.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 377336 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.1 | 48.1 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 950712 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.5 | 67.5 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 675761 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.8 | xxx |
| 657612 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.79 | 65.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 748517 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 652948 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.74 | 70.74 |  |  |  |  |  |  |  |  | xxx | xxx | .0027 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 703149 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.97 | 62.97 |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 873286 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.72 | 51.72 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 853638 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.91 | 46.91 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 684999 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 326091 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 445069 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208135 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.81 | 49.81 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 629923 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 461642 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.89 | 42.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 514438 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.9 | 61.9 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 708505 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.87 | 59.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 437639 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 918416 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.69 | 56.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 190535 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 226998 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 137220 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 664976 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.59 | 78.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 340394 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 419420 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.24 | 56.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 403684 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.63 | 74.63 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222995 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 45.28 | 45.28 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 272408 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 224333 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.5 | 57.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 478244 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 840639 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 532090 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.73 | 36.73 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 265857 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 76.78 | 76.78 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 275485 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 635329 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.4 | xxx |
| 456670 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 191539 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 505255 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.83 | 26.83 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 134327 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.68 | 62.68 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 180712 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.0 | 40.0 |  |  |  |  |  |  |  |  | xxx | xxx | .2133 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483547 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.15 | 72.15 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 628130 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 942686 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.33 | 74.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 499893 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 693730 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 173000 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.45 | 46.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.3 | xxx |
| 506172 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 71.78 | 71.78 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 604949 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.4 | 62.4 |  |  |  |  |  |  |  |  | xxx | xxx | .0210 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 951728 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.22 | 61.22 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 208953 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 755730 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 71.89 | 71.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 480846 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 154034 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.13 | 57.13 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 800883 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.21 | 78.21 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 861079 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.39 | 78.39 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 516099 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.94 | 59.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 668157 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 546119 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 382950 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 519713 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 757171 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 546801 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.3 | 79.3 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 417678 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 157482 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 717643 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 785236 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 922000 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.69 | 74.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.6 | xxx |
| 191232 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.77 | 73.77 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 718276 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 477319 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 929918 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 149379 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 500443 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 946981 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 351138 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 970341 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 649469 |  |  | 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 |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 468278 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 39.09 | 39.09 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 235536 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.2 | xxx |
| 286819 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 555617 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 435961 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 264392 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 831720 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 243909 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 257086 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 201346 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.04 | 73.04 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 649432 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.88 | 61.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 242359 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.16 | 69.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 446353 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.89 | 38.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.8 | xxx |
| 308905 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.92 | 63.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 978629 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.78 | 67.78 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 615499 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 759821 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.81 | 46.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 942400 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.67 | 48.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 457917 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 979499 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 128512 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.3 | 66.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 360259 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.82 | 74.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 740750 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.0 | 62.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 744303 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 579147 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 259725 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 507331 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 346065 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 952661 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 290404 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.1 | xxx |
| 576088 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.59 | 68.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 682459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 270975 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 998050 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 448796 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 |  |  |  |  |  |  |  |  | xxx | xxx | .0038 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 319421 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.67 | 66.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 320454 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.0 | 45.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 529265 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 893948 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 473933 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 329145 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 542297 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 52.07 | 52.07 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 820462 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844511 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.67 | 66.67 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 427455 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 512756 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.6 | 69.6 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2 | xxx |
| 341652 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.7 | xxx |
| 686459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.46 | 48.46 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 735920 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.52 | 64.52 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 478842 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 517470 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.98 | 73.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 428175 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.51 | 50.51 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 585153 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.48 | 35.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 510789 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 636061 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.84 | 59.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 542109 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 679285 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 328974 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.28 | 16.28 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 887824 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.36 | 36.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 303100 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 923698 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.0 | 40.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 650864 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.29 | 64.29 | xxx | xxx | .0133 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0133 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 387983 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 220788 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 466243 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 171484 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.99 | 74.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 171906 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 225530 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 210366 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 283739 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 499488 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.39 | 47.39 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 412137 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.55 | 51.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 547354 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 88.66 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 188916 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 877032 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 284959 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.15 | 45.15 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 836194 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.46 | 27.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 402275 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.3 | 58.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 488447 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.79 | 78.79 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 913431 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.3 | xxx |
| 317637 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 792601 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 873307 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.7 | 45.7 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 787147 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 817389 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 817722 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 930923 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.56 | 55.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 118568 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 707052 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.3 | xxx |
| 965385 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.88 | 74.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 335616 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 736780 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.78 | 34.78 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 912263 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 281523 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.0 | 68.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 797675 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 447060 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 286202 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.6 | xxx |
| 138101 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 554699 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.63 | 50.63 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 708352 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 627329 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 262022 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 944825 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 581151 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 189728 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 173130 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.96 | 62.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 121002 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 68.75 | 68.75 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 945859 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 825820 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.2 | xxx |
| 133806 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 248044 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701670 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.58 | 69.58 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 514358 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 401177 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 742844 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 964784 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 882874 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 599595 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 42.88 | 42.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 598180 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 506281 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 797878 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 517333 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 126083 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.99 | 49.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 529578 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | .0738 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | .0738 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 155994 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 775784 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 928904 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 640392 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 188013 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 856794 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.5 | 62.5 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 182062 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 992580 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 363407 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 52.26 | 52.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 186329 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 499367 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 368192 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 185459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 248073 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.33 | 72.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 377498 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.41 | 49.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 731413 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 488541 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 720769 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 334077 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 974444 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 71.47 | 71.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 827033 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.84 | 32.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 236491 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.3 | xxx |
| 275277 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 503674 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 515757 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 64.92 | 64.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 550726 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 143851 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 561030 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 579104 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 784228 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 957391 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 773262 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 498928 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.96 | 56.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 706170 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.43 | 69.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 437014 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 481477 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 281534 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 571748 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 657584 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.17 | 45.17 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844357 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.61 | 60.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 819540 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 737774 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 323587 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.57 | 58.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 121923 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0122 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.8 | xxx |
| 301990 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.37 | 62.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 431292 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.02 | 62.02 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 300735 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.56 | 59.56 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 188088 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.52 | 64.52 |  |  |  |  |  |  |  |  | xxx | xxx | .0108 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 819502 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 808842 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.6 | xxx |
| 448578 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 638073 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.64 | 46.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 301282 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 648548 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.12 | 69.12 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 894914 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 193327 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 623951 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 418435 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988411 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 977539 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 653147 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 769858 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 444864 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 674264 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.83 | 62.83 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.9 | xxx |
| 135944 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | -.0408 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0408 | 97.0 | 0.03 | Other | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 791716 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 536391 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 788218 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.9 | 63.9 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 136004 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 169086 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.7 | xxx |
| 468288 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.67 | 74.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 242974 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 839430 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 213552 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.85 | 74.85 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 428047 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 334889 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.82 | 48.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 545852 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.87 | 68.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.6 | xxx |
| 521824 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701967 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.0 | 55.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 720860 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 385627 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 609560 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 903754 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | xxx | Yes | Employed | Employed | No | No | Yes | Present |
| 933349 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | No | xxx | Yes | Employed |  | No |  | Yes | Present |
| 393650 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 737146 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 280850 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | No | xxx | Yes | Employed |  | No |  | Yes | Present |
| 629738 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Not Employed |  | No |  | Yes | Present |
| 253878 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 135464 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 704579 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 |  |
| 133949 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 543698 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Retired | No | No | Yes | Present |
| 413221 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 |  |
| 460975 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 |  |
| 343780 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | 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 |  | No |  |
| 796931 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | No | xxx | N/A | Employed |  | No |  | Yes | Present |
| 551485 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 240196 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 909691 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 861894 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Not Employed | Employed | No | No | Yes | Present |
| 784170 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 | Not Employed | No | No | No |  |
| 848945 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 414445 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 189249 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | 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 |  | No |  |
| 629746 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 533212 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 | Unknown | No | No | No |  |
| 256302 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed | Employed | No | No | No |  |
| 637200 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 944666 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 706438 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 976058 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 0 | xxx | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 451325 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 264799 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 238502 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | 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 | Employed | No | No | No |  |
| 570044 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 632781 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 771904 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 120220 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 630603 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired | Retired | No | No | Yes | Present |
| 649807 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 660422 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 980281 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 327990 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 558880 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 993841 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 469614 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 812828 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 661442 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 995604 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 955373 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 659494 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 389111 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 221356 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 |  |
| 321976 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 266366 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 948809 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 983240 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 477591 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 470944 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 127462 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 603289 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 891260 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Unknown | No | No | Yes | Present |
| 266463 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 980518 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 979729 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 968114 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired |  | No |  | Yes | Present |
| 686403 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 862524 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 791708 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | 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 | Not Employed | Not Employed | No | No | No |  |
| 256053 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 886380 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | 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 |
| 169344 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 131549 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 959697 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 | Not Employed |  | No |  | No |  |
| 848007 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 207222 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 903586 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 666940 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 | N/A | Employed | Employed | No | No | No |  |
| 548338 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 369020 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 |  |
| 484549 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Not Employed |  | No |  | Yes | Present |
| 339769 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | 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 | Not Employed | No | No | No |  |
| 596244 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 414743 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 925874 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 728036 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Unknown | No | No | Yes | Present |
| 882383 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 266021 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | 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 |  |
| 675379 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 507056 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 976183 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 827109 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 841532 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 783288 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 939794 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 116872 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 517687 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 708616 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 687752 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 190059 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 920919 |  |  | 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 |
| 539188 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 688695 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 475910 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 292543 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 747613 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 407202 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 589195 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 789923 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 257787 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 767874 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 628798 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Not Employed | No | No | No |  |
| 698553 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 894998 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 396792 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 755435 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 388209 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 916083 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 504711 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 805771 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Not Employed | Employed | No | No | No |  |
| 590892 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 521823 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 867159 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 852528 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 956644 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 810580 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 563212 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 218538 |  |  | 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 | Yes | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 135874 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 856998 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 895368 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 857409 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 500102 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Not Employed | No | No | No |  |
| 604483 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 335254 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | 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 |  |
| 760395 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 599439 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 749036 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | 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 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 575902 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 448720 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No | No | Yes | Present |
| 553000 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 898023 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 346729 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 681775 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 632446 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 338928 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 473288 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 553618 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 325947 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 670232 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 761611 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 884184 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 621789 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 822195 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 260380 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 697133 |  |  | 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 |
| 775493 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 485443 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 233302 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 613598 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 691298 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 652500 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 493499 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 266681 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 303416 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 720492 |  |  | 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 |
| 439855 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 845628 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 556142 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 587667 |  |  | 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 | Not Employed | Employed | No | No | Yes | Present |
| 152911 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 248898 |  |  | 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 |
| 861309 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 705999 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 577969 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 391809 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  | Yes |  | No |  |
| 261732 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 524389 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 602631 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 670333 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 970276 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | 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 |  |
| 896638 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 819349 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 160276 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | 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 |  |
| 597979 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 816127 |  |  | 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 | 0 |  |  |  | Yes |  | Yes | Present |
| 116735 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 975152 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 716108 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 202127 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 377336 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 950712 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 675761 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 657612 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 748517 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 652948 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 703149 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 873286 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 853638 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 684999 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 326091 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | 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 |  |
| 445069 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 208135 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 629923 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 461642 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 514438 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 708505 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 437639 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 918416 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 190535 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 226998 |  |  | 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 |
| 137220 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 664976 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 340394 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 419420 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 403684 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 222995 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 272408 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 224333 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 478244 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 840639 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 532090 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 265857 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 275485 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 635329 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 456670 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | 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 |  |
| 191539 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 505255 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 134327 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 180712 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 483547 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 628130 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 942686 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Not Employed | No | No | No |  |
| 499893 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 693730 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 173000 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 506172 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | 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 |  |
| 604949 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 951728 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 208953 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 755730 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 480846 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 154034 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 800883 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 861079 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 516099 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 668157 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 546119 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 382950 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 519713 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 757171 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 546801 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 417678 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 157482 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 717643 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 785236 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 922000 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 191232 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 718276 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 477319 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 929918 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | 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 |
| 149379 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 500443 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 946981 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 351138 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 970341 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 649469 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 468278 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 235536 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 286819 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 555617 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 435961 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 264392 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 831720 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 243909 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 257086 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 201346 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | xxx | xxx | 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 |
| 649432 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 242359 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 446353 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 308905 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 978629 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 615499 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 759821 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 942400 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 457917 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 979499 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 128512 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Not Employed | No | No | No |  |
| 360259 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 740750 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 744303 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 579147 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 259725 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 507331 |  |  | 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 | 0 |  |  |  | Yes |  | Yes | Present |
| 346065 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 952661 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 290404 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 576088 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 682459 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 270975 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 998050 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 448796 |  |  | 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 |
| 319421 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 320454 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 529265 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 893948 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 473933 |  |  | 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 |
| 329145 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 542297 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 820462 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 844511 |  |  | 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 | 0 |  |  |  | Yes | No | Yes | Present |
| 427455 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 512756 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 341652 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 686459 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 735920 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 478842 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 517470 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 428175 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 585153 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 510789 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 636061 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 542109 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 679285 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 328974 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 887824 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 303100 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 923698 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 650864 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 387983 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 220788 |  |  | 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 | 0 |  |  |  | Yes |  | Yes | Present |
| 466243 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 171484 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 171906 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 225530 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 210366 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No | No | Yes | Present |
| 283739 |  |  | 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 |
| 499488 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | 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 |  |
| 412137 |  |  | 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 | 0 |  |  |  | Yes |  | Yes | Present |
| 547354 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 188916 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 877032 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 284959 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 836194 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 402275 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 488447 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 913431 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 317637 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | 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 |  |
| 792601 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | xxx | xxx | 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 |  | No |  |
| 873307 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 787147 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 817389 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 817722 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 930923 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 118568 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 707052 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | N/A | N/A | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 965385 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 335616 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 736780 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 912263 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 281523 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 797675 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 447060 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 286202 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 138101 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 554699 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 708352 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 627329 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 262022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | 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 | Employed | No | No | No |  |
| 944825 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 581151 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 189728 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 173130 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 121002 |  |  | 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 | Employed | No | No | Yes | Present |
| 945859 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 825820 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 133806 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 248044 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 701670 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | N/A | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 514358 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 401177 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 742844 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 964784 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | 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 |  |
| 882874 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Employed | No | No | No |  |
| 599595 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 598180 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 506281 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 797878 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 517333 |  |  | 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 |
| 126083 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 529578 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 155994 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 775784 |  |  | 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 |  | Yes |  | Yes | Present |
| 928904 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 640392 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 188013 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 856794 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 182062 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 992580 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 363407 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 186329 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 499367 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 368192 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 185459 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 248073 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 377498 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 731413 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 488541 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 720769 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 334077 |  |  | 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 | 0 |  |  |  | Yes |  | Yes | Present |
| 974444 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 827033 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 236491 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 275277 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 503674 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 515757 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 550726 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 143851 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 561030 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 579104 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 784228 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 957391 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 773262 |  |  | 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 |
| 498928 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 706170 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 437014 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 481477 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 281534 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 571748 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 | Not Employed | No | No | No |  |
| 657584 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 844357 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 819540 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 737774 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 323587 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 121923 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 301990 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 431292 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 300735 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | 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 |  |
| 188088 |  |  | 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 |
| 819502 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 808842 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 448578 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 638073 |  |  | 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 |
| 301282 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 648548 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 894914 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 193327 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | 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 |  |
| 623951 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 418435 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 988411 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 977539 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 653147 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 769858 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 444864 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |
| 674264 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 135944 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 791716 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 536391 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 788218 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 136004 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 169086 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 468288 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 242974 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 839430 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 213552 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 428047 |  |  | 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 | Employed | No | No | Yes | Present |
| 334889 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 545852 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q 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 |  |
| 521824 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 701967 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 720860 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 385627 |  |  | 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 | 0 |  |  |  | No | No | Yes | Present |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 783288 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 292543 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 716108 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 748517 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 461642 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 499893 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 157482 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 922000 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 576088 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 844511 |  |  | Borrower 1 Citizen | Foreign National | US Citizen |
| 703026 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 362003 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 585153 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 938399 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 402275 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 317637 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 912263 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 476236 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 537996 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 974444 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 955078 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 819540 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 653147 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 536391 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 687752 |  |  | Borrower 1 FTHB | true | false |
| 292543 |  |  | Borrower 1 FTHB | false | true |
| 628798 |  |  | Borrower 1 FTHB | true | false |
| 461642 |  |  | Borrower 1 FTHB | false | true |
| 272408 |  |  | Borrower 1 FTHB | true | false |
| 480846 |  |  | Borrower 1 FTHB | false | true |
| 500102 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 335254 |  |  | Borrower 1 Self-Employment Flag | No | Yes |
| 587667 |  |  | Borrower 1 Self-Employment Flag | No | Yes |
| 137220 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 668157 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 517470 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 328974 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 428047 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 976183 |  |  | Borrower 1 SSN | xxx | xxx |
| 827033 |  |  | Borrower 1 SSN | xxx | xxx |
| 797675 |  |  | Borrower 2 Citizen | Permanent Resident Alien | US Citizen |
| 650864 |  |  | Borrower 2 Self-Employment Flag | Unknown | No |
| 428047 |  |  | Borrower 2 Self-Employment Flag | Yes | No |
| 323587 |  |  | Borrower 2 SSN | xxx | xxx |
| 323587 |  |  | Borrower 3 SSN | xxx | xxx |
| 609560 |  |  | CLTV | 73.94 | 75.00 |
| 903754 |  |  | CLTV | 72.5 | 75.00 |
| 933349 |  |  | CLTV | 72.74 | 75.00 |
| 796931 |  |  | CLTV | 66.76 | 70.00 |
| 551485 |  |  | CLTV | 78.86 | 80.00 |
| 909691 |  |  | CLTV | 68.92 | 80.00 |
| 629746 |  |  | CLTV | 73.99 | 75.00 |
| 451325 |  |  | CLTV | 72.1 | 75.00 |
| 632781 |  |  | CLTV | 63.98 | 75.00 |
| 120220 |  |  | CLTV | 73.61 | 75.00 |
| 649807 |  |  | CLTV | 77.72 | 80.00 |
| 993841 |  |  | CLTV | 72.76 | 75.00 |
| 469614 |  |  | CLTV | 73.54 | 75.00 |
| 812828 |  |  | CLTV | 77.24 | 80.00 |
| 661442 |  |  | CLTV | 73.99 | 75.00 |
| 955373 |  |  | CLTV | 73.53 | 75.00 |
| 389111 |  |  | CLTV | 77.17 | 80.00 |
| 983240 |  |  | CLTV | 68.32 | 70.00 |
| 266463 |  |  | CLTV | 70.67 | 75.00 |
| 862524 |  |  | CLTV | 73.6 | 75.00 |
| 256053 |  |  | CLTV | 70.78 | 75.00 |
| 169344 |  |  | CLTV | 66.79 | 77.52 |
| 131549 |  |  | CLTV | 63.57 | 65.00 |
| 903586 |  |  | CLTV | 77.02 | 80.00 |
| 666940 |  |  | CLTV | 77.45 | 80.00 |
| 548338 |  |  | CLTV | 78.91 | 80.00 |
| 925874 |  |  | CLTV | 71.19 | 75.00 |
| 882383 |  |  | CLTV | 77.87 | 80.00 |
| 280850 |  |  | Escrow Flag | Yes | No |
| 704579 |  |  | Escrow Flag | Yes | No |
| 543698 |  |  | Escrow Flag | Yes | No |
| 413221 |  |  | Escrow Flag | Yes | No |
| 460975 |  |  | Escrow Flag | Yes | No |
| 343780 |  |  | Escrow Flag | Yes | No |
| 629738 |  |  | First Payment Date | xxx | xxx |
| 413221 |  |  | First Payment Date | xxx | xxx |
| 135874 |  |  | First Payment Date | xxx | xxx |
| 898023 |  |  | First Payment Date | xxx | xxx |
| 884184 |  |  | First Payment Date | xxx | xxx |
| 597979 |  |  | First Payment Date | xxx | xxx |
| 116735 |  |  | First Payment Date | xxx | xxx |
| 975152 |  |  | First Payment Date | xxx | xxx |
| 716108 |  |  | First Payment Date | xxx | xxx |
| 950712 |  |  | First Payment Date | xxx | xxx |
| 635329 |  |  | First Payment Date | xxx | xxx |
| 628130 |  |  | First Payment Date | xxx | xxx |
| 499893 |  |  | First Payment Date | xxx | xxx |
| 516099 |  |  | First Payment Date | xxx | xxx |
| 546119 |  |  | First Payment Date | xxx | xxx |
| 157482 |  |  | First Payment Date | xxx | xxx |
| 922000 |  |  | First Payment Date | xxx | xxx |
| 970341 |  |  | First Payment Date | xxx | xxx |
| 649469 |  |  | First Payment Date | xxx | xxx |
| 555617 |  |  | First Payment Date | xxx | xxx |
| 507331 |  |  | First Payment Date | xxx | xxx |
| 419420 |  |  | Interest Only Flag | Yes | No |
| 555617 |  |  | Maturity Date | xxx | xxx |
| 933349 |  |  | Note Date | xxx | xxx |
| 629738 |  |  | Note Date | xxx | xxx |
| 704579 |  |  | Note Date | xxx | xxx |
| 413221 |  |  | Note Date | xxx | xxx |
| 137220 |  |  | Number of Mortgaged Properties | 1 | 2.0 |
| 705999 |  |  | Number of Units | 4 | 1 |
| 735920 |  |  | Number of Units | 1 | 2 |
| 514358 |  |  | Number of Units | 2 | 1 |
| 797878 |  |  | Number of Units | 2 | 3 |
| 920919 |  |  | Occupancy | Investment | Primary Residence |
| 609560 |  |  | Primary Appraised Property Value | xxx | xxx |
| 903754 |  |  | Primary Appraised Property Value | xxx | xxx |
| 933349 |  |  | Primary Appraised Property Value | xxx | xxx |
| 393650 |  |  | Primary Appraised Property Value | xxx | xxx |
| 737146 |  |  | Primary Appraised Property Value | xxx | xxx |
| 629738 |  |  | Primary Appraised Property Value | xxx | xxx |
| 135464 |  |  | Primary Appraised Property Value | xxx | xxx |
| 133949 |  |  | Primary Appraised Property Value | xxx | xxx |
| 413221 |  |  | Primary Appraised Property Value | xxx | xxx |
| 796931 |  |  | Primary Appraised Property Value | xxx | xxx |
| 551485 |  |  | Primary Appraised Property Value | xxx | xxx |
| 909691 |  |  | Primary Appraised Property Value | xxx | xxx |
| 784170 |  |  | Primary Appraised Property Value | xxx | xxx |
| 848945 |  |  | Primary Appraised Property Value | xxx | xxx |
| 414445 |  |  | Primary Appraised Property Value | xxx | xxx |
| 629746 |  |  | Primary Appraised Property Value | xxx | xxx |
| 256302 |  |  | Primary Appraised Property Value | xxx | xxx |
| 637200 |  |  | Primary Appraised Property Value | xxx | xxx |
| 944666 |  |  | Primary Appraised Property Value | xxx | xxx |
| 706438 |  |  | Primary Appraised Property Value | xxx | xxx |
| 976058 |  |  | Primary Appraised Property Value | xxx | xxx |
| 451325 |  |  | Primary Appraised Property Value | xxx | xxx |
| 632781 |  |  | Primary Appraised Property Value | xxx | xxx |
| 120220 |  |  | Primary Appraised Property Value | xxx | xxx |
| 630603 |  |  | Primary Appraised Property Value | xxx | xxx |
| 649807 |  |  | Primary Appraised Property Value | xxx | xxx |
| 327990 |  |  | Primary Appraised Property Value | xxx | xxx |
| 993841 |  |  | Primary Appraised Property Value | xxx | xxx |
| 469614 |  |  | Primary Appraised Property Value | xxx | xxx |
| 812828 |  |  | Primary Appraised Property Value | xxx | xxx |
| 661442 |  |  | Primary Appraised Property Value | xxx | xxx |
| 955373 |  |  | Primary Appraised Property Value | xxx | xxx |
| 389111 |  |  | Primary Appraised Property Value | xxx | xxx |
| 266366 |  |  | Primary Appraised Property Value | xxx | xxx |
| 948809 |  |  | Primary Appraised Property Value | xxx | xxx |
| 983240 |  |  | Primary Appraised Property Value | xxx | xxx |
| 477591 |  |  | Primary Appraised Property Value | xxx | xxx |
| 127462 |  |  | Primary Appraised Property Value | xxx | xxx |
| 603289 |  |  | Primary Appraised Property Value | xxx | xxx |
| 891260 |  |  | Primary Appraised Property Value | xxx | xxx |
| 266463 |  |  | Primary Appraised Property Value | xxx | xxx |
| 979729 |  |  | Primary Appraised Property Value | xxx | xxx |
| 968114 |  |  | Primary Appraised Property Value | xxx | xxx |
| 862524 |  |  | Primary Appraised Property Value | xxx | xxx |
| 256053 |  |  | Primary Appraised Property Value | xxx | xxx |
| 169344 |  |  | Primary Appraised Property Value | xxx | xxx |
| 131549 |  |  | Primary Appraised Property Value | xxx | xxx |
| 959697 |  |  | Primary Appraised Property Value | xxx | xxx |
| 848007 |  |  | Primary Appraised Property Value | xxx | xxx |
| 207222 |  |  | Primary Appraised Property Value | xxx | xxx |
| 903586 |  |  | Primary Appraised Property Value | xxx | xxx |
| 666940 |  |  | Primary Appraised Property Value | xxx | xxx |
| 548338 |  |  | Primary Appraised Property Value | xxx | xxx |
| 484549 |  |  | Primary Appraised Property Value | xxx | xxx |
| 596244 |  |  | Primary Appraised Property Value | xxx | xxx |
| 414743 |  |  | Primary Appraised Property Value | xxx | xxx |
| 925874 |  |  | Primary Appraised Property Value | xxx | xxx |
| 728036 |  |  | Primary Appraised Property Value | xxx | xxx |
| 882383 |  |  | Primary Appraised Property Value | xxx | xxx |
| 675379 |  |  | Primary Appraised Property Value | xxx | xxx |
| 507056 |  |  | Primary Appraised Property Value | xxx | xxx |
| 867159 |  |  | Primary Appraised Property Value | xxx | xxx |
| 652948 |  |  | Primary Appraised Property Value | xxx | xxx |
| 180712 |  |  | Primary Appraised Property Value | xxx | xxx |
| 448796 |  |  | Primary Appraised Property Value | xxx | xxx |
| 328974 |  |  | Primary Appraised Property Value | xxx | xxx |
| 650864 |  |  | Primary Appraised Property Value | xxx | xxx |
| 121923 |  |  | Primary Appraised Property Value | xxx | xxx |
| 188088 |  |  | Primary Appraised Property Value | xxx | xxx |
| 653147 |  |  | Primary Appraised Property Value | xxx | xxx |
| 265857 |  |  | Primary Mortgage or Rent Times 30 | 1 | 0.0 |
| 270975 |  |  | Primary Mortgage or Rent Times 30 | 1 | 0.0 |
| 808842 |  |  | Primary Mortgage or Rent Times 30day 24Months | 2 | 0.0 |
| 222995 |  |  | Property Description | 3 Unit | Detached |
| 208953 |  |  | Property Description | Attached | Detached |
| 649469 |  |  | Property Description | 3 Unit | Detached |
| 135464 |  |  | Property Type | Townhouse | PUD |
| 637200 |  |  | Property Type | PUD | Single Family Detached |
| 451325 |  |  | Property Type | Townhouse | Single Family Detached |
| 120220 |  |  | Property Type | Townhouse | PUD |
| 630603 |  |  | Property Type | Townhouse | PUD |
| 327990 |  |  | Property Type | Townhouse | PUD |
| 995604 |  |  | Property Type | Townhouse | PUD |
| 127462 |  |  | Property Type | Townhouse | PUD |
| 256053 |  |  | Property Type | Townhouse | PUD |
| 207222 |  |  | Property Type | PUD | Single Family Detached |
| 484549 |  |  | Property Type | Townhouse | PUD |
| 507056 |  |  | Property Type | PUD | Single Family Detached |
| 861894 |  |  | Property Zip Code | xxx | xxx |
| 706438 |  |  | Property Zip Code | xxx | xxx |
| 948809 |  |  | Property Zip Code | xxx | xxx |
| 131549 |  |  | Property Zip Code | xxx | xxx |
| 599439 |  |  | Qualifying CLTV | 64.25 | 55.56 |
| 775493 |  |  | Qualifying CLTV | 69.77 | 69.48 |
| 116735 |  |  | Qualifying CLTV | 54.95 | 60.0 |
| 235536 |  |  | Qualifying CLTV | 75.0 | 70.0 |
| 736780 |  |  | Qualifying CLTV | 34.78 | 31.3 |
| 189249 |  |  | Qualifying FICO | xxx | xxx |
| 256302 |  |  | Qualifying FICO | xxx | xxx |
| 983240 |  |  | Qualifying FICO | xxx | xxx |
| 666940 |  |  | Qualifying FICO | xxx | xxx |
| 548338 |  |  | Qualifying FICO | xxx | xxx |
| 621789 |  |  | Qualifying FICO | xxx | xxx |
| 613598 |  |  | Qualifying FICO | xxx | xxx |
| 437639 |  |  | Qualifying FICO | xxx | xxx |
| 340394 |  |  | Qualifying FICO | xxx | xxx |
| 180712 |  |  | Qualifying FICO | xxx | xxx |
| 506172 |  |  | Qualifying FICO | xxx | xxx |
| 201346 |  |  | Qualifying FICO | xxx | xxx |
| 979499 |  |  | Qualifying FICO | xxx | xxx |
| 952661 |  |  | Qualifying FICO | xxx | xxx |
| 547354 |  |  | Qualifying FICO | xxx | xxx |
| 930923 |  |  | Qualifying FICO | xxx | xxx |
| 912263 |  |  | Qualifying FICO | xxx | xxx |
| 262022 |  |  | Qualifying FICO | xxx | xxx |
| 155994 |  |  | Qualifying FICO | xxx | xxx |
| 640392 |  |  | Qualifying FICO | xxx | xxx |
| 188013 |  |  | Qualifying FICO | xxx | xxx |
| 323587 |  |  | Qualifying FICO | xxx | xxx |
| 188088 |  |  | Qualifying FICO | xxx | xxx |
| 856998 |  |  | Qualifying Interest Rate | xxx | xxx |
| 749036 |  |  | Qualifying Interest Rate | xxx | xxx |
| 775493 |  |  | Qualifying Interest Rate | xxx | xxx |
| 116735 |  |  | Qualifying Interest Rate | xxx | xxx |
| 703149 |  |  | Qualifying Interest Rate | xxx | xxx |
| 235536 |  |  | Qualifying Interest Rate | xxx | xxx |
| 201346 |  |  | Qualifying Interest Rate | xxx | xxx |
| 284959 |  |  | Qualifying Interest Rate | xxx | xxx |
| 118568 |  |  | Qualifying Interest Rate | xxx | xxx |
| 965385 |  |  | Qualifying Interest Rate | xxx | xxx |
| 599439 |  |  | Qualifying LTV | 64.25 | 55.56 |
| 116735 |  |  | Qualifying LTV | 54.95 | 60.0 |
| 235536 |  |  | Qualifying LTV | 75.0 | 70.0 |
| 360259 |  |  | Qualifying LTV | 74.82 | 4.82 |
| 736780 |  |  | Qualifying LTV | 34.78 | 31.3 |
| 292543 |  |  | Qualifying Total Debt Income Ratio | 35.52 | 40.44 |
| 857409 |  |  | Qualifying Total Debt Income Ratio | 45.32 | 39.18 |
| 500102 |  |  | Qualifying Total Debt Income Ratio | 47.7 | 48.07 |
| 599439 |  |  | Qualifying Total Debt Income Ratio | 34.39 | 32.03 |
| 749036 |  |  | Qualifying Total Debt Income Ratio | 35.06 | 36.29 |
| 485443 |  |  | Qualifying Total Debt Income Ratio | 49.5 | 32.91 |
| 613598 |  |  | Qualifying Total Debt Income Ratio | 44.62 | 33.51 |
| 160276 |  |  | Qualifying Total Debt Income Ratio | 36.4 | 41.53 |
| 208135 |  |  | Qualifying Total Debt Income Ratio | 29.07 | 20.58 |
| 505255 |  |  | Qualifying Total Debt Income Ratio | 40.53 | 47.8 |
| 757171 |  |  | Qualifying Total Debt Income Ratio | 32.94 | 36.32 |
| 946981 |  |  | Qualifying Total Debt Income Ratio | 42.82 | 47.91 |
| 235536 |  |  | Qualifying Total Debt Income Ratio | 45 | 42.64 |
| 320454 |  |  | Qualifying Total Debt Income Ratio | 41.93 | 28.43 |
| 473933 |  |  | Qualifying Total Debt Income Ratio | 39.11 | 33.31 |
| 736780 |  |  | Qualifying Total Debt Income Ratio | 29.39 | 26.9 |
| 554699 |  |  | Qualifying Total Debt Income Ratio | 28.21 | 42.58 |
| 944825 |  |  | Qualifying Total Debt Income Ratio | 30.56 | 34.31 |
| 248044 |  |  | Qualifying Total Debt Income Ratio | 33.3 | 36.87 |
| 731413 |  |  | Qualifying Total Debt Income Ratio | 40.07 | 44.84 |
| 275277 |  |  | Qualifying Total Debt Income Ratio | 41.96 | 34.54 |
| 300735 |  |  | Qualifying Total Debt Income Ratio | 31.47 | 36.72 |
| 652948 |  |  | Secondary Appraised Property Value | xxx | 0.0 |
| 180712 |  |  | Secondary Appraised Property Value | xxx | xxx |
| 448796 |  |  | Secondary Appraised Property Value | xxx | xxx |
| 650864 |  |  | Secondary Appraised Property Value | xxx | xxx |
| 731413 |  |  | Secondary Appraised Property Value | xxx | 0.0 |
| 121923 |  |  | Secondary Appraised Property Value | xxx | xxx |
| 188088 |  |  | Secondary Appraised Property Value | xxx | xxx |
| 385627 |  |  | Final Qualifying Property Value | xxx | xxx |
| 385627 |  |  | Verified Doc Type | Debt Service Coverage Ratio | Full Documentation |

---

## Exhibit 99.3

**Exhibit 99.3**

---

| | |
|:---|:---|
| ![](tm268691d1_ex99-3img01.jpg)  | <br>1 MacArthur Place - Suite 100 |
| ![](tm268691d1_ex99-3img01.jpg)  | Santa Ana, CA 92707 |
| ![](tm268691d1_ex99-3img01.jpg)  | 800.320.9490 |
| ![](tm268691d1_ex99-3img01.jpg)  | ConsolidatedAnalytics.com |

---

**EXECUTIVE SUMMARY**

Third Party Due Diligence Review

**March 10, 2026**

**HOMES 2026-NQM2**

Overview

Consolidated Analytics, Inc., a third-party due diligence provider, performed the review described below on behalf of its client APCA Resi O4B, LLC and certain affiliates thereof (together, the "Client"). The review included a total of 141 business purpose, residential mortgage loans, that we understand may be deposited in the securitization identified as HOMES 2026-NQM2 (the "Securitization"). The review began on August 1, 2025, and concluded January 1, 2026.

Scope of Review

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
to determine sufficiency for consideration in the Credit Review. The Credit Documentation review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements
and contains OFAC clearance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in
the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required
to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan
type and guideline requirements for verification of closing funds and reserves.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued
identification verification for each borrower (i.e. driver's license, state ID, passport)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate
for the subject property and that flood insurance is also documented when required.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary
independent estimate of value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws,
related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy
of the Articles of Incorporation establishing registration within the state of operation.

---

| | |
|:---|:---|
| ![](tm268691d1_ex99-3img01.jpg)  | <br>1 MacArthur Place - Suite 100 |
| ![](tm268691d1_ex99-3img01.jpg)  | Santa Ana, CA 92707 |
| ![](tm268691d1_ex99-3img01.jpg)  | 800.320.9490 |
| ![](tm268691d1_ex99-3img01.jpg)  | ConsolidatedAnalytics.com |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration
by confirming the presence of a web print out or certification of good standing for the state is in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the
individual executing the loan agreements has been signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's interest
in the loan and the borrower(s)' obligations thereunder was conducted with the purpose of validating their presence in the mortgage
loan file and sufficiency of execution:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan
agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable
allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached
or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file
and is duly executed and notarized and that it contains all applicable riders including an assignment of rents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all
applicable underwriting and legal requirements including those for timing, form, authority and execution.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity
borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower
statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title
is free from material defects that could affect lien position.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in
the loan file and properly conveys interest in the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale
Agreement along with any counter offers and modified terms of sale

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence
of a final settlement statement in the mortgage loan file

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
each loan qualification review took place. Qualification criteria includes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements
of underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets
to meet underwriting standards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Debt-Service Coverage Ratios "DSCR":** Calculate the debt-service coverage ratio to ensure
it meets minimum guideline standards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit History:** Review the borrower credit reports and any supplemental credit history documentation
to verify whether the borrower met guideline requirements.

---

| | |
|:---|:---|
| ![](tm268691d1_ex99-3img01.jpg)  | <br>1 MacArthur Place - Suite 100 |
| ![](tm268691d1_ex99-3img01.jpg)  | Santa Ana, CA 92707 |
| ![](tm268691d1_ex99-3img01.jpg)  | 800.320.9490 |
| ![](tm268691d1_ex99-3img01.jpg)  | ConsolidatedAnalytics.com |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used
in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan
is accurate and compliant with guideline requirements. Confirm that the borrower has executed an affidavit of commercial/business purpose
and that no other documentation that shows the subject property might be a primary residence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property
Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting
guideline standards based on the calculation methods set forth in underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance:** Confirm the adequacy of hazard
insurance coverage and that premiums are included in PITI calculations. If required based on flood **zone**,
confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Compensating Factors:** Review and validate any compensating factors used in the qualification of
the loan and in consideration of loan level underwriting guideline exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per
underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline
overlays were fully documented, properly approved, and supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained
for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**Valuation Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Review the original appraisal and all additional property valuation documentation to determine whether
source, format and type meet program and guideline eligibility requirements.

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm that the property type is an eligible property type per program standards and underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm as applicable that and independent supplemental third-party valuation was received and is within
allowable tolerance of the original qualifying value.

&nbsp;&nbsp;&nbsp;&nbsp;d. Assess rental income schedules.

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm that property standards conform to underwriting guidelines requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f. Determine whether the property is completely constructed and the appraisal is on an "as is basis,"
or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review and determine whether the appraisal was performed on appropriate form and whether the appraiser
indicated in the body of the conformity to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review property for functional obsolescence.

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

---

| | |
|:---|:---|
| ![](tm268691d1_ex99-3img01.jpg)  | <br>1 MacArthur Place - Suite 100 |
| ![](tm268691d1_ex99-3img01.jpg)  | Santa Ana, CA 92707 |
| ![](tm268691d1_ex99-3img01.jpg)  | 800.320.9490 |
| ![](tm268691d1_ex99-3img01.jpg)  | ConsolidatedAnalytics.com |

---

Consolidated Analytics applied a cascade methodology to determine if the original appraised value total was reasonably supported when compared to an independent third-party valuation product. For loans reviewed in a post-close valuation review (141 loans consisting of 141 individual properties), the origination value was based the following products:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;Form 1004 | &nbsp;&nbsp;102 |
| &nbsp;&nbsp;Form 1025 | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Form 1073 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;141 |

---

87 loans were supported by Collateral Underwriter, 53 properties were supported by a Desk Review, and 1 loan was supported by a Secondary Appraisal/Form 1025.

In summary the final secondary property valuation by product is as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Secondary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;Collateral Underwriter | &nbsp;&nbsp;87 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Form 1025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**141** |

---

Loan level Valuation Grades are based on the cumulative total of origination appraised values for an individual loan compared to the cumulative total of the secondary valuation products. Loans where the cumulative secondary valuation had a negative variance equal to or greater than 10% of the origination appraised value total were provided a Valuation Grade of "C".

Of the 141 loans reviewed, 141 are single property loans.

---

| | |
|:---|:---|
| ![](tm268691d1_ex99-3img01.jpg)  | <br>1 MacArthur Place - Suite 100 |
| ![](tm268691d1_ex99-3img01.jpg)  | Santa Ana, CA 92707 |
| ![](tm268691d1_ex99-3img01.jpg)  | 800.320.9490 |
| ![](tm268691d1_ex99-3img01.jpg)  | ConsolidatedAnalytics.com |

---

Summary of Results

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage<br> Loans | &nbsp;&nbsp;% of Mortgage Loans<br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;132 | &nbsp;&nbsp;93.62% | &nbsp;&nbsp; $43825975.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.38 | &nbsp;&nbsp; $6200500.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;**Credit Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage<br> Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;132 | &nbsp;&nbsp;93.62% | &nbsp;&nbsp; $43825975.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.38% | &nbsp;&nbsp; $6200500.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;**Valuation Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage <br> Loans | &nbsp;&nbsp;% of Mortgage Loans<br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;141 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $50026475.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |

---

**Exception Category Summary**

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

---

| | |
|:---|:---|
| ![](tm268691d1_ex99-3img01.jpg)  | <br>1 MacArthur Place - Suite 100 |
| ![](tm268691d1_ex99-3img01.jpg)  | Santa Ana, CA 92707 |
| ![](tm268691d1_ex99-3img01.jpg)  | 800.320.9490 |
| ![](tm268691d1_ex99-3img01.jpg)  | ConsolidatedAnalytics.com |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;CREDIT | &nbsp;&nbsp;B | &nbsp;&nbsp;Maximum Loan Amount Exceeded | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;CREDIT | &nbsp;&nbsp;B | &nbsp;&nbsp;Significant Derogatory Credit Event – Requirement Not Met | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;CREDIT | &nbsp;&nbsp;B | &nbsp;&nbsp;Short Term Rental Income - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;CREDIT | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit B Grade Findings:*** | &nbsp;&nbsp;10 |
|  |  | &nbsp;&nbsp;***Total Credit C Grade Findings:*** | &nbsp;&nbsp;0 |
|  |  | &nbsp;&nbsp;***Total Credit D Grade Findings:*** | &nbsp;&nbsp;0 |
|  |  | &nbsp;&nbsp;***Total Credit Findings:*** | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;PROPERTY | &nbsp;&nbsp;B |  | &nbsp;&nbsp;0 |
|  |  | &nbsp;&nbsp;***Total Property B Grade Findings:*** | &nbsp;&nbsp;0 |
|  |  | &nbsp;&nbsp;***Total Property C Grade Findings:*** | &nbsp;&nbsp;0 |
|  |  | &nbsp;&nbsp;***Total Property D Grade Findings:*** | &nbsp;&nbsp;0 |
|  |  | &nbsp;&nbsp;***Total Property Findings:*** | &nbsp;&nbsp;0 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Defect Name** | **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)** |
| 500000002 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 8/19/2025 | Cleared | 401038223 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000003 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 8/28/2025 | Cleared | 401038821 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000004 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/2/2025 | Cleared | 401038856 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000006 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/3/2025 | Acknowledged | 9969492167 | Credit | Maximum Loan Amount Exceeded | LTV of XX% >XX% Maximum allowed for all short term rental properties | An exception has been granted to allow 75% LTV for the subject file short term rental DSCR 30yr fixed mortgage application. This exception is subject to a XXX pricing adjustment which has been applied. This is not a credit approval; the application must meet all other relevant requirements and is subject to Underwriting review and approval. | An exception has been granted to allow 75% LTV for the subject file short term rental DSCR 30yr fixed mortgage application. This exception is subject to a XXX pricing adjustment which has been applied. This is not a credit approval; the application must meet all other relevant requirements and is subject to Underwriting review and approval. | 20250903: Waived | 9/3/2025 | Fico XXX over minimum required, XXX Months of Reserves C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000005 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/15/2025 | Cleared | 401038858 | Credit | Closing Documentation Missing or Defective | Prepay Discrepancy between Final CD and Prepayment Penalty Rider. Rider relfects XXX months interest payment if payed within the first XXX months in the amount of $XXX. Final CD relfects as high as XXX | Prepay Discrepancy between Final CD and Prepayment Penalty Rider. Rider relfects XXX months interest payment if payed within the first XXX months in the amount of $XXX. Final CD relfects as high as XXX |  |  | 10/7/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000011 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/23/2025 | Cleared | 18039252813 | Credit | Closing Documentation Missing or Defective | Missing Evidence of Security Instrument | XXX: Uploaded |  | 20251003: Received | 10/3/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000009 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/23/2025 | Acknowledged | 18039173648 | Credit | Maximum Loan Amount Exceeded | LTV of XX% >XXX% Maximum allowed for XXX DSCR on Cash Out Refinance. | XXX: Waiver approval uploaded |  | 20250925: Waived | 9/25/2025 | XXX Months Reserves, XXX Fico Score C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000010 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/23/2025 | Cleared | 18039222193 | Property | Hazard Insurance Missing or Defective | Hazard Insurance does not specify terms of Fair Rental Loss Coverage. Reflects "COD" | XXX: Letter from agent, coverage is XXX months |  | 20250925: Received | 9/25/2025 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000010 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/23/2025 | Acknowledged | 18039223239 | Credit | Maximum Loan Amount Exceeded | LTV of XX% >XXX% Maximum allowed for XXX DSCR on Cash Out Refinance. | XXX: Waiver approval uploaded |  | 20250925: Waived | 9/25/2025 | XXX Months Reserves, XXX Fico Score C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000011 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/23/2025 | Acknowledged | 18039248663 | Credit | Maximum Loan Amount Exceeded | LTV of XX% >XXX% Maximum allowed for XXX DSCR on Cash Out Refinance. | XXX: Waiver uploaded |  | 20251010: Waived | 10/10/2025 | Fico XXX over minimum required, No XXX Lates D B C A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000012 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/29/2025 | Cleared | 18071335631 | Credit | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Uploaded |  | 20250930: Receivced | 9/30/2025 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000012 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 9/29/2025 | Acknowledged | 18071413057 | Credit | Maximum Loan Amount Exceeded | LTV of XXX% >XXX% Maximum allowed for XXX DSCR on Interest-Only Purchase. | XXX: Waiver in file |  | 20250930: Waived | 9/30/2025 | Fico XXX mos reserves C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000013 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/9/2025 | Cleared | 18150947312 | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | 20251023: Received | 10/23/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000013 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/9/2025 | Cleared | 18150956062 | Property | Hazard Insurance Missing or Defective | Hazard Insurance does not specify terms of Fair Rental Loss Coverage. | XXX: Uploaded Hazard Policy |  | 20251015: Received Updated Hazard Policy | 10/17/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000007 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/7/2025 | Cleared | 401041253 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000016 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/9/2025 | Cleared | 401045158 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000020 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/13/2025 | Cleared | 401049567 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000019 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/13/2025 | Cleared | 401047811 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000014 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/13/2025 | Cleared | 401041701 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000018 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/14/2025 | Cleared | 18187234783 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX is < XXX Minimum required | XXX: Uploaded Title Policy |  | 20251020: Received updated Title Policy | 10/20/2025 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000018 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/14/2025 | Acknowledged | 18187247733 | Credit | Maximum Loan Amount Exceeded | LTV of XXX% >XXX% Maximum allowed for XXX DSCR on a Interest Only; Cash-Out Refinance Transaction. | XXX: Awpproved Waiver |  | 20251023: Waived | 10/23/2025 | Fico XXX mos reserves C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000017 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/13/2025 | Cleared | 401046578 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000024 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/22/2025 | Cleared | 401046231 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000022 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/22/2025 | Cleared | 401044714 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000023 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/22/2025 | Cleared | 401047325 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000021 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/23/2025 | Cleared | 18260241246 | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | 20251030: Received Deed | 10/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000032 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2025 | Cleared | 401054099 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000030 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/29/2025 | Cleared | 18301235322 | Property | Appraisal Review - Missing | Missing Appraisal Review for Subject Property : XXX | XXX: Uploaded |  | 20251106: Received | 11/6/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000025 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2025 | Cleared | 18291227907 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX is < XXX Minimum required | XXX: Uploaded |  | 20251106: Received | 11/6/2025 | 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 |
| 500000027 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2025 | Cleared | 401050112 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000029 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/30/2025 | Cleared | 401052260 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000031 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/30/2025 | Acknowledged | 18314808273 | Credit | Significant Derogatory Credit Event – Requirement Not Met | Credit Report reflects Derogatory Event: Borrower XXX+ Days Delinquency on Mortgage History | XXX: Exception Approval uploaded |  | 20251031: Received Waiver | 10/31/2025 | DSCR >XXX, XXX months Reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000031 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/30/2025 | Acknowledged | 18314808660 | Credit | Significant Derogatory Credit Event – Requirement Not Met | Credit Report flects Derogatory Event: Borrower has Charge-Off of Mortgage Account | XXX: Exception Approval uploaded |  | 20251031: Received Waiver | 10/31/2025 | DSCR >XXX, XXX months Reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000026 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/4/2025 | Cleared | 18376822111 | Credit | Security Instrument Missing or Defective | Missing Evidence of MERS Identification Number. | XXX: Uploaded |  | 20251203: Received | 12/3/2025 | 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 |
| 500000033 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18369846590 | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement For Subject Property : XXX | XXX: Uploaded |  | 20251112: Received | 11/12/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000033 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18369848097 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum required | XXX: Uploaded |  | 20251117: Received | 11/17/2025 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000033 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18369849273 | Credit | Title Insurance Missing or Defective | Title Insurance dated XX/XX/XXXX exceeds XXX days from Note date of XXX/XXX/XXX. | XXX: Uploaded |  | 20251118: Received | 11/18/2025 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000033 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18369905288 | Property | Hazard Insurance Missing or Defective | Hazard Insurance does not include Replacement Cost Coverage. Dwelling Coverage of XXX < XXX Minimum Required | XXX: Uploaded |  | 20251208: Received | 12/8/2025 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000033 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Acknowledged | 18369850762 | Credit | Minimum Loan Amount Not Met | Loan amount of XXX < XXX Minimum required per guidelines matrix. |  |  |  | 11/14/2025 | Fico XXX over minimum required, XXX Months of Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000015 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/5/2025 | Cleared | 401043187 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 18366417578 | Credit | Title Insurance Missing or Defective | Missing Evidence of Title Insurance. | XXX: Uploaded |  | 20251110: Received | 11/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2025 | Cleared | 18373416946 | Credit | Sales Contract Missing or Defective | Missing Assignment of Purchase Contract changing Purchase Price from XXX to XXX as reflected on Closing Disclosure. | XXX: Uploaded |  | 20251208: Received | 12/8/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2025 | Cleared | 18373418230 | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: Uploaded |  | 20251202: Received | 12/2/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2025 | Cleared | 18373420662 | Property | Appraisal Missing or Defective | Appraisal Discrepancy - Appraisal States XXX Bedrooms and XX/XX/XXXX Bathrooms, Subject Photographs show at least XXX Bedrooms XXX Bathrooms | XXX: "The sketch reflects several bedrooms but due to partial below grade, the bedrooms are included in the basement living area and labelled accordingly. Per the appraisal: - Tax card and MLS list the subject as a XXX story home with 1922sf GLA. Per ANSI standards, the subject is a single story home with a walk-out basement. There are NO bedrooms on the main floor, see sketch. """""""""" | XXX: "The sketch reflects several bedrooms but due to partial below grade, the bedrooms are included in the basement living area and labelled accordingly. Per the appraisal: - Tax card and MLS list the subject as a XXX story home with 1922sf GLA. Per ANSI standards, the subject is a single story home with a walk-out basement. There are NO bedrooms on the main floor, see sketch. """""""""" | 20251124: Received additional information on subject property structure | 11/24/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2025 | Cleared | 18373422430 | Credit | Insufficient Assets for Reserves | Insufficient Reserves: Reserve requirement not met. Reserves of XXX - < XXX Months Minimum required | XXX: Uploaded |  | 20251204: Received New Guidelines requiring only one-Month Statements | 12/4/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000028 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 401045828 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000037 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 401052507 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000035 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 401049377 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 18366513102 | Credit | Minimum Credit Score Requirement Not Met | Credit Score of XXX < XXX Minimum required for First Time Investor |  |  |  | 1/0/1900 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000046 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 18369951606 | Credit | Insufficient Assets to Close | Borrower Assets of XXX < XXX Funds to close. | XXX: Borrower received XXX in gifted funds |  | 20251110: Received | 11/10/2025 | 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 |
| 500000046 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 18369951859 | Credit | Insufficient Assets for Reserves | Borrower Reserves of XXX months < XXX Months Minimum required |  |  |  | 11/10/2025 | 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 |
| 500000039 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 401057330 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000034 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/6/2025 | Cleared | 401049274 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000041 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2025 | Cleared | 18374978722 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000036 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18369579130 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum required | XXX: Uploaded |  | 20251110: Received | 11/10/2025 | 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 |
| 500000036 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18369580807 | Credit | Title Insurance Missing or Defective | Title Insurance provided defective: Please provide updated Title vested in XXX instead of "XXX" | XXX: Uploaded |  | 20251110: Received | 11/10/2025 | 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 |
| 500000042 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 401047353 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000043 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 401049742 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000049 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/7/2025 | Cleared | 18370497512 | Property | Ineligible Property | Subject Property listed as Vacant on a Refi transaction. No history of recent renovations done to subject unit | XXX: Uploaded LOE |  | 20251117: Received | 11/17/2025 | 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 |
| 500000038 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2025 | Cleared | 401054139 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000044 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2025 | Cleared | 401052332 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000051 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2025 | Cleared | 401056830 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000060 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2025 | Cleared | 18379634358 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Policy does not include Replacement Cost and Dwelling Coverage is insufficient. Please provide updated policy. |  |  |  | 1/0/1900 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000060 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/14/2025 | Acknowledged | 18379599839 | Credit | Short Term Rental Income - Missing or Defective | Missing Short Term Rental Documentation - Subject Property missing evidence of XXX month rental history for short term rentals. | XXX: Uploaded Logic Response |  | 20251118: Received Logic Response Waiver | 11/18/2025 | Fico XXX over minimum required, DSCR > XX/XX/XXXX B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 500000062 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/13/2025 | Cleared | 18378284847 | Credit | Undocumented Large Deposit/Increase | Missing Evidence of Source for Large Deposit in the amount of XXX from XXX Account. | XXX: Uploaded Gift |  | 20251117: Received | 11/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000052 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/12/2025 | Cleared | 18376328843 | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | 20251117: Received | 11/17/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000052 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/12/2025 | Cleared | 18376330098 | Property | Hazard Insurance Missing or Defective | Hazard Insurance File does not include Policy Number. Please provide updated Evidence of Insurance with Policy Number. | XXX: Uploaded |  | 20251117: Received | 11/17/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/13/2025 | Cleared | 401055663 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000061 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/13/2025 | Cleared | 401056403 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000048 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/14/2025 | Cleared | 18379712082 | Credit | Guaranty Missing or Defective | USA Patriot Act on file is not filled out with Borrower Information. Please provide updated Patriot Act. | XXX: Uploaded |  | 20251118: Received Deed | 11/18/2025 | 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 |
| 500000055 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2025 | Cleared | 401051562 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000054 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2025 | Cleared | 401049352 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000058 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2025 | Cleared | 18381849233 | Credit | Closing Documentation Missing or Defective | Missing Evidence of Business Purpose Certificate. | XXX: Uploaded |  | 20251118: Received | 11/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000056 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/19/2025 | Cleared | 18385172944 | Credit | Note Missing or Defective | Missing Execution Page of Note - Please provide page XXX of XXX of Note. | XXX: Uploaded |  | 20251120: Received | 11/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000040 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/24/2025 | Cleared | 18389495118 | Credit | Security Instrument Missing or Defective | Missing Evidence of Security Instrument : XXX | XXX: Uploaded |  | 20251125: Received | 11/25/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000068 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 10640574568 | Property | Hazard Insurance Missing or Defective | Missing Policy Number on Hazard Insurance Binder | XXX: Uploaded |  | 20251215: Received | 12/15/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000068 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 10640575323 | Credit | Deed Missing or Defective | Missing Evidence of Executed Deed | XXX: Uploaded |  | 20251203: Received | 12/3/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000073 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/24/2025 | Cleared | 401059585 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000070 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/24/2025 | Cleared | 401058258 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000057 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 10641786384 | Credit | Title Insurance Missing or Defective | Missing Evidence of Title Insurance. | XXX: Uploaded Title |  | 20251201: Received | 12/1/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000067 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/26/2025 | Cleared | 10649617922 | Credit | Deed Missing or Defective | Missing Evidence of Executed Deed | XXX: Uploaded Deed |  | 20251210: Received | 12/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000067 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/26/2025 | Cleared | 10649654953 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter | XXX: Uploaded CPL |  | 20251210: Received | 12/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000069 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 10649308549 | Property | Hazard Insurance Missing or Defective | Hazard Insurance does not specify terms of Fair Rental Loss Coverage. Reflects "COD" |  |  | 20251215: Cleared | 12/15/2025 | 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 |
| 500000064 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 401056884 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000059 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 401059613 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000071 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 401058526 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000072 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/25/2025 | Cleared | 10642133987 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251201: Received | 12/1/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000066 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/26/2025 | Cleared | 401058339 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000065 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/26/2025 | Cleared | 401058328 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000079 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 401061053 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000090 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 401058999 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000075 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 10676786133 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251202: Received | 12/2/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000081 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 401055629 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000082 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 401057864 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000080 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 10677105530 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251202: Received | 12/2/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000074 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 401059493 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000099 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 10677454910 | Credit | Asset Documentation Missing or Defective | Missing evidence of two consecutive months of bank Statements for XXX Accounts #XXX and #XXX | XXX: Uploaded |  | 20251204: Received New Guidelines requiring only one-Month Statements | 12/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000076 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 10677739006 | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | 20251202: Received | 12/1/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000076 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 10677741388 | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter on file lists "XXX" as the Buyer/Borrower. Please provide updated CPL with "XXX" listed as the Buyer/Borrower. | XXX: Uploaded |  | 20251202: Received | 12/1/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000078 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/1/2025 | Cleared | 10677886753 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251202: Received | 12/1/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000086 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/2/2025 | Cleared | 10688645964 | Credit | Excessive LTV Ratio | Borrower LTV of XXX% > XXX% Maximum Allowed. |  |  |  | 1/0/1900 | 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 |
| 500000086 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/2/2025 | Cleared | 10688576093 | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance Coverage of $< XXX Minimum required | XXX: Uploaded |  | 20251209: Received | 12/9/2025 | 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 |
| 500000085 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/2/2025 | Cleared | 10685931541 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter For : XXX | XXX: Uploaded |  | 20251211: Received | 12/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000087 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/2/2025 | Cleared | 401057668 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000077 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/2/2025 | Cleared | 401032772 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000091 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/0/1900 | Cleared | 401059032 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000101 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 10728592960 | Property | Flood Cert or Evidence not in a Flood Zone Missing | Missing Flood Cert for the Subject Property : XXX | XXX: Uploaded |  | 20251209: Received | 12/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000097 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 10731128069 | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | 20251209: Received | 12/9/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000104 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 401057569 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000097 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 10731128107 | Property | Title Insurance Missing or Defective | Title Insurance Policy missing coverage amount. Please provide a title supplement or updated title insurance. | XXX: Uploaded |  | 20251215: Received | 12/15/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000088 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/4/2025 | Cleared | 401058559 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000091 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/0/1900 | Cleared | 401059032 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000089 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/4/2025 | Cleared | 401058930 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000094 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/4/2025 | Cleared | 401059505 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000098 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/4/2025 | Cleared | 401061315 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000095 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/4/2025 | Cleared | 401060134 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000095 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/4/2025 | Cleared | 401047349 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000107 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/9/2025 | Cleared | 10740813401 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter For : XXX | XXX: Uploaded |  | 20251215: Received | 12/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000107 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/9/2025 | Cleared | 10740801502 | Credit | Title Insurance Missing or Defective | Title Insruance Defectivbe: Title insurance infile missing insured amount along with Proposed Insured | XXX: Uploaded |  | 20251215: Received | 12/15/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000097 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 10731128783 | Credit | Title Insurance Missing or Defective | XXX: Title Insurance on file does not reflect proposed insured as XXX | XXX: Uploaded |  | 20251215: Received | 12/15/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000084 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 401051062 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000109 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 401061706 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000112 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 401063011 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000103 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/8/2025 | Cleared | 401056625 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000110 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/10/2025 | Cleared | 10742357807 | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | 20251210: Received | 12/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000113 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/10/2025 | Cleared | 10748671046 | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | 20251210: Received | 12/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000111 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/8/2026 | Cleared | 401062876 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000114 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/9/2025 | Cleared | 10741099473 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251210: Received | 12/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000105 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/9/2025 | Cleared | 401060119 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000100 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/9/2025 | Cleared | 401061817 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000126 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/11/2025 | Cleared | 10760800338 | Property | Appraisal Missing or Defective | Appraisal States subject property is owner occupied on a refinance transaction. Please provide an updated appraisal or a letter of explanation. | XXX: Uploaded |  | 20251218: Received | 12/18/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000126 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/11/2025 | Cleared | 10760798125 | Credit | Title Insurance Missing or Defective | Title needs to be vested in borrower, XXX, not XXX. Please provide updated Title. | XXX: Uploaded corrected Title |  | 20251216: Received | 12/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000126 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/11/2025 | Cleared | 10760798392 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter For : XXX | XXX: Uploaded |  | 20251216: Received | 12/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000108 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/10/2025 | Cleared | 401061694 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000125 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/10/2025 | Cleared | 401063461 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000116 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/15/2025 | Cleared | 10783808825 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251218: Received | 12/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000116 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/15/2025 | Cleared | 10783175766 | Credit | Note Missing or Defective | Missing First Page of Note - Please provide page XXX of Note | XXX: Uploaded |  | 20251218: Received | 12/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000124 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/12/2025 | Cleared | 401062815 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000120 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/12/2025 | Cleared | 401061178 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000121 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/15/2025 | Cleared | 401061359 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000117 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/15/2025 | Cleared | 401056854 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000122 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2025 | Cleared | 401061665 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000118 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2025 | Cleared | 10793131103 | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | 20251218: Received | 12/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000130 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/17/2025 | Cleared | 401062750 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000131 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/17/2025 | Cleared | 10804368450 | Credit | Deed Missing or Defective | Missing Execution Page of Deed - Please provide pages XXX and XXX of Deed | XXX: Uploaded |  | 20251226: Received | 12/29/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000131 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/17/2025 | Cleared | 10804363932 | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded |  | 20251226: Received | 12/29/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000093 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/17/2025 | Cleared | 401059309 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000092 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/18/2025 | Cleared | 10827283704 | Credit | Note Missing or Defective | Missing Executed Note | XXX: Uploaded |  | 20251229: Received | 12/29/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000134 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401063119 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000123 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401062109 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000115 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401063895 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000083 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401018426 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000119 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401058391 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000106 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401060362 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000096 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2025 | Cleared | 401060511 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000129 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2025 | Cleared | 401062517 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000138 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/24/2025 | Cleared | 10849255322 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. | XXX: Uploaded |  | 20251229: Received | 12/29/2025 | 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 |
| 500000135 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/24/2025 | Cleared | 401053361 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000139 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/24/2025 | Cleared | 401065241 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000133 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/24/2025 | Cleared | 401062947 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000132 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2025 | Cleared | 10867879260 | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter needs to relfect the borrower as XXX and not XXX. Please provide updated CPL. | XXX: Uploaded |  | 20251230: Received | 12/30/2025 | 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 |
| 500000127 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2025 | Cleared | 10869704596 | Credit | Closing Documentation Missing or Defective | Closing Document Defective: Mortgage/Security Instrument to reflect borrower as "XXX" as seen on the Deed/Title in place of "XXX" | XXX: Uploaded |  | 20251230: Received | 12/30/2025 | 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 |
| 500000128 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2025 | Cleared | 10869739037 | Credit | Closing Documentation Missing or Defective | Closing Document Defective: Mortgage/Security Instrument to reflect borrower as "XXX" as seen on the Deed/Title in place of "XXX" | XXX: Uploaded |  | 20251230: Received | 12/30/2025 | 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 |
| 500000137 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/5/2026 | Cleared | 10911875992 | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file does not include Replacement Cost. Please provide updated HOI. | XXX: Uploaded |  | 20260114: Received | 1/14/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000136 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/5/2026 | Cleared | 401062735 | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000141 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/6/2026 | Cleared | 10928207157 | Credit | Guarantor Identification Missing or Defective | Missing Borrower ID for XXX. | XXX: Uploaded |  | 20260108: Received | 1/8/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000141 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/6/2026 | Cleared | 10928220971 | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | 20260108: Received | 1/8/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000142 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/9/2026 | Cleared | 10960608412 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum required. Please provide an updated Title. | XXX: Uploaded |  | 20260113: Received | 1/13/2026 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000142 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/9/2026 | Cleared | 10960639584 | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Missing for Units #XXX and #XXX. | XXX: Uploaded |  | 20260113: Received | 1/13/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000142 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/9/2026 | Cleared | 10960647593 | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement For Subject Property : XXX | XXX: Uploaded |  | 20260113: Received | 1/13/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000140 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/19/2026 | Cleared | 11042046599 | Credit | Guarantor Identification Missing or Defective | Missing Borrower Identification for XXX | Patriot disc with borrowers ID listed has been uploaded. |  | Received | 1/26/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **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** |
| 500000002 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000003 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000004 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000005 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000006 |  |  | $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 |
| 500000007 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000008 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000009 |  |  | $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 |
| 500000010 |  |  | $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 |
| 500000011 |  |  | $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 |
| 500000012 |  |  | $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 |
| 500000013 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 500000014 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000015 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000016 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000017 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000018 |  |  | $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 |
| 500000019 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000020 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000021 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000022 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000023 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000024 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000025 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000026 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000027 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000028 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000029 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000030 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000031 |  |  | $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 |
| 500000032 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000033 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 500000034 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000035 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000036 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000037 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000038 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000039 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000040 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000041 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000042 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000043 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000044 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000045 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000046 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000047 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000048 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000049 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000050 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000051 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000052 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 500000053 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000054 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000055 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000056 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000057 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000058 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000059 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000060 |  |  | $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 |
| 500000061 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000062 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000063 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000064 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000065 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000066 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000067 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000068 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 500000069 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000070 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000071 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000072 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000073 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000074 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000075 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000076 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000077 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000078 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000079 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000080 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000081 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000082 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000083 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000084 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000085 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000086 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000087 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000088 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000089 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000090 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000091 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000092 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000093 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000094 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000095 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000096 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000097 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 500000098 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000099 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000100 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000101 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000102 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000103 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000104 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000105 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000106 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000107 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000108 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000109 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000110 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000111 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000112 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000113 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000114 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000115 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000116 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000117 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000118 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000119 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000120 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000121 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000122 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000123 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000124 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000125 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000126 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 500000127 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000128 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000129 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000130 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000131 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000132 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000133 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000134 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000135 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000136 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000137 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000138 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500000139 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500000140 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000141 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 500000142 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **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** |
| 500000002 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000003 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000004 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000005 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000006 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 500000007 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000008 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000009 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 500000010 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 500000011 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 500000012 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 500000013 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 500000014 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000015 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000016 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000017 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000018 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 500000019 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000020 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000021 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000022 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 500000023 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000024 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000025 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000026 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000027 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000028 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 500000029 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000030 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000031 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000032 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000033 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 500000034 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 500000035 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000036 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000037 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000038 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000039 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000040 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.76% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000041 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 500000042 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000043 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000044 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000045 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 500000046 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000047 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000048 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000049 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000050 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000051 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000052 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000053 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 500000054 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000055 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000056 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000057 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000058 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000059 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000060 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 500000061 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 500000062 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000063 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 500000064 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000065 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000066 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000067 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 500000068 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000069 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 500000070 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 500000071 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 500000072 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000073 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000074 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000075 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000076 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000077 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 500000078 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000079 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000080 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000081 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000082 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000083 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000084 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000085 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000086 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 500000087 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000088 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000089 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000090 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000091 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000092 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000093 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 500000094 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000095 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000096 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 500000097 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000098 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000099 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000100 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000101 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000102 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 500000103 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000104 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 500000105 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000106 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 500000107 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000108 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000109 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000110 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000111 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000112 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000113 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 500000114 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000115 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000116 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000117 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000118 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000119 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 500000120 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000121 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000122 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000123 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000124 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000125 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000126 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000127 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000128 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000129 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000130 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000131 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000132 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000133 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000134 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000135 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000136 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000137 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 500000138 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000139 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.33% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000140 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000141 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 500000142 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** | **Response** |
| 500000016 | XXX |  | DSCR | 1.07 | 0.96 |  |  |
| 500000020 | XXX |  | DSCR | 1.21 | 1.00 |  |  |
| 500000024 | XXX |  | LTV | 74.15% | 75.00% |  |  |
| 500000030 | XXX |  | DSCR | 1.41 | 1.32 |  |  |
| 500000036 | XXX |  | DSCR | 1.13 | 1.10 |  |  |
| 500000041 | XXX |  | Property Type | 8- Townhouse (Do not report as "PUD") | DTCH |  |  |
| 500000048 | XXX |  | DSCR | 1.06 | 1.05 |  |  |
| 500000050 | XXX |  | DSCR | 1.31 | 1.32 |  |  |
| 500000058 | XXX |  | DSCR | 1.32 | 1.33 |  |  |
| 500000060 | XXX |  | DSCR | 1.79 | 1.44 |  |  |
| 500000064 | XXX |  | DSCR | 1.01 | 1.02 |  |  |
| 500000076 | XXX |  | DSCR | 1.27 | 1.30 |  |  |
| 500000093 | XXX |  | DSCR | 1.18 | 1.17 |  |  |
| 500000102 | XXX |  | Property Type | 1- Single Family Detached (non-PUD) | ATCH |  |  |
| 500000117 | XXX |  | DSCR | 1.28 | 1.39 |  |  |
| 500000119 | XXX |  | DSCR | 0.91 | 0.95 |  |  |
| 500000121 | XXX |  | DSCR | 1.29 | 1.30 |  |  |
| 500000124 | XXX |  | DSCR | 1.03 | 1.04 |  |  |
| 500000125 | XXX |  | DSCR | 2.05 | 1.47 |  |  |
| 500000128 | XXX |  | DSCR | 1.59 | 1.17 |  |  |
| 500000130 | XXX |  | Property Type | 3- Condo (4 or fewer stories) | Attached Mid Rise Condo (5-8) |  |  |
| 500000134 | XXX |  | Property Type | 3- Condo (4 or fewer stories) | DTCH |  |  |
| 500000136 | XXX |  | DSCR | 1.23 | 1.24 |  |  |
| 500000137 | XXX |  | DSCR | 1.46 | 1.56 |  |  |
| 500000142 | XXX |  | DSCR | 1.29 | 1.27 | XXX |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](tm268691d1_ex99-4img01.jpg)

HOMES 2026-NQM2

APCA Resi O4B, LLC

Opus Capital Markets Consultants, LLC

5718 Westheimer Road, Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**March 10, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**APCA Resi O4B, LLC**

The report summarizes the results of a due diligence review performed on a pool of one hundred twenty-three (123) loans, that were directly or indirectly acquired by APCA Resi O4B, LLC or an affiliate thereof (together the "Customer") from an originator (the "Originator"). The Customer is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains nine (9) ATR/QM Exempt loans, of which all are Business Purpose loans, and one hundred fourteen (114) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **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;**1.1** **Guidelines** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2** **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;**1.3** **Income** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.4** **Assets** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.5** **Debt Ratio** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.6** **Property Valuation** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.7** **Loan-to-Value Ratio** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.8** **Credit History** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.9** **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;**1.10** **Compensating Factors** 

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

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Document Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.1** **Collateral Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.1 Title Commitment / Policy

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.2 Mortgage Note / Security Instrument

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.3 Mortgage / Deed of Trust

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.4 Conveyance Deed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.2** **Closing Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.1 Final Hud-1 Settlement Statement

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.2 Final Truth-in-Lending Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.3 Notice of Right to Cancel

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.3** **Credit Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.1 Loan Application

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.2 Underwriting Worksheet

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.3 Credit Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.4 Housing Payment History

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.5 Letters of Explanation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.6 Gift Letters

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.7 Income Documentation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.8 Asset Documentation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.9 Property Valuation Tools

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.10 Proof of Insurance

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

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Regulatory Compliance** 

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***3.1*** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3 day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***3.2*** **Business Days as Defined by Regulation Z:** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***3.3*** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.1 Initial
 Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business
 days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.2 No Pre-disclosure
 Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving
 the Initial Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.3 7 Day
 Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific"
 business days prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.4 3 Day
 Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes
 inaccurate. Closing may not occur until the 3rd "specific" business day after
 the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.5 APR on
 Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference
 in APR based on regular or irregular payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***3.4*** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.1 APR test
 [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.2 Points
 and Fees test[HOEPA (§1026.32(a)(2))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.3 Review
 of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment
 scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.4 Review
 and confirm documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.5 Review
 for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.6 Verification
 of Debt to Income conformity, when necessary.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***3.5*** **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.1 Good
 Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.2 Consultant
 will confirm compliance with current RESPA requirements in effect at origination of the Mortgage
 Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.3 Confirm
 the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.4 Verify
 the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5 Application
 shall be defined by Regulation X and generally be considered complete when the following
 seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.1 Borrower(s) First
 and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.2 Borrower(s) Social
 Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.3 Subject
 Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.4 Mortgage
 Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.5 Estimation
 of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.6 Monthly
 Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.7 Any
 other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.6 Consultant
 will verify that all Broker fees, including Yield Spread Premium ("YSP") were
 accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.7 Fees will
 be reviewed to ensure they are reasonable and customary fees for the lender and title and
 escrow companies and that those fees were accurately disclosed on the GFE and were reflected
 in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.8 Analysis
 to determine whether a Changed Circumstance form is required to accompany each revised Good
 Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9 Change
 of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.1 Acts
 of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.2 Information
 particular to borrower or transaction that was relied on in providing the GFE and that changes
 or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.3 New
 information particular to the borrower or transaction that was not relied on in providing
 the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.4 Other
 circumstances that are particular to borrower or transaction, including boundary disputes,
 need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.5 In
 the event any of the above occurs, the loan originator is required to provide a new revised
 GFE to the borrower within 3 business days of receiving information sufficient to establish
 "changed circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.6 Rate
 Locks: If the rate has not been locked by the borrower or a locked rate has expired, the
 charge or credit for rate chosen, adjusted origination charges, per diem interest and loan
 terms related to the rate may change. If borrower later locks the rate, a new GFE must be
 provided showing the revised rate-dependent charges and terms. All other charges and terms
 must remain the same as on the original GFE, except as otherwise provided above for "changed
 circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.10 Final HUD-1: Consultant will confirm
 compliance with current RESPA requirements in effect at origination of the Mortgage Loan
 including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.10.1 Confirm the presence of the current
 applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.10.2 Confirm the Final HUD-1 accurately
 lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11 Good Faith
 Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements
 in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1 Analysis
 of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on
 the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.1 Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.2 Credit or Charge for Interest
Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.3 Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.4 Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2 Analysis
 of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on
 the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement
 for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2.1 Lender-required settlement services
(lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2.2 Lender-required
 services, title services and required title insurance, and owner's title insurance,
 when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2.3 Government
 recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.12 Analysis to
 confirm all fees are accurately reflected in the correct tolerance category on the Good Faith
 Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.13 Analysis to
 confirm lender accurately provided borrower adequate restitution in the event of tolerance
 violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.14 Analysis to
 confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.15 Analysis to
 confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate
 (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***3.6*** **QM / ATR (Qualified Mortgage / Ability to Repay) Dodd Frank Review (Loans with Application Date on or after 01/10/2014)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.1** **Ability-to-Repay:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.1 Consultant
 will incorporate checkpoints for the ATR's eight verification steps for any origination
 QC work. Consultant has the option to run ATR checks on any transactions subject to QM that
 falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due
 to failing QM criteria. Thus, any transaction that is being tested for QM will also have
 the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2 Consultant
 is required to verify all information within the scope of the eight verification steps before
 an ATR loan can pass. These eight tests include verifications of any amounts used in the
 loan consideration and a page(s) reference to the third party records/documentation/images:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.1 Income and assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.2 Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.3 Monthly qualifying mortgage
 payment for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.4 Monthly payment on any simultaneous
 loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.5 Monthly
 payment for mortgage related obligations for the proposed loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.6 Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.7 Qualifying monthly DTI and residual
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.8 Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.3 If
 all of the verifications are made and each of the eight topic areas is confirmed to agree
 with the representations made by the lender, and there are no credit exceptions to the lender's
 guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks
 the documentation to support the stated values in any of the areas, affected items will not
 be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.4 ATR
 results will be reported as ATR-Pass, ATR-Fail and ATR-Exempt. This is in addition to the
 existing credit and compliance related reporting by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.2** **Qualified Mortgage** 

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.3** **Generally Applicable Factor** 

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

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

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

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

<u>QM Rules Points and Fees Testing.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Finance
 charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 portion of upfront private mortgage insurance that exceeds FHA premiums;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Maximum
 prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prepayment
 penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Bona
 fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Government
 mortgage insurance premiums;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Sellers
 points

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.4** **Legacy QM** 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.5** **Revised QM** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.5.1** **Monthly Payment.**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.5.2** **Consider and Verify.**

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Consultant will review the creditor's (or client's, as the case
 may be) (i) policies and procedures and worksheets and (ii) methods and criteria
 for verification of income and assets (regardless of whether the "safe harbor"
 is utilized) for content only, and will not opine whether such policies and procedures, worksheets
 and verification methods and criteria themselves comply with applicable law, and cannot guarantee
 that a court, governmental regulator, rating agency or another third party diligence provider
 would reach the same conclusions using such work product.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.6** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.7** **Safe Harbor for Revised QM Rules** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.8** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.9** **For Legacy and Revised QM Rules** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.10 Escrow Requirment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loans
 that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow
 accounts to be in place for the first five years of the transaction. A loan will be considered
 a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.11 HPML Appraisal Rule**

An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Three-day
 disclosure from application of the right to a free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Written
 appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Interior
 inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Delivery
 of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
 the property falls under the 'flipping' definition, a second appraisal is required
 and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
 difference in the original sales price and the subsequent sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes
 in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
 improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7. TILA RESPA Integrated Disclosure Statement Of Work**

**3.7.1. ELIGIBILITY**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1. The following criteria are used
 in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.1. The Application Date is October 3,
 2015, or later (the earlier of the date the broker or lender received the borrower's
 application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2. The Loan Purpose and Property Type
 includes a closed-end mortgage secured by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.1. Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.2. Refinance (Cash Out or Rate
 Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.3. Construction and Construction
 to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.4. SFR, 1-4 Unit, PUD, Condo
 and Coops (Coop may be excluded based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3. The Loan Purpose and Property Type
 does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3.1. HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3.2. Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3.3. Dwellings that are not attached
 to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.4. Mobile homes, where the consumer
 does not own the land For purposes of determination of Occupancy, TRID applies to loans for owner occupied, second
 home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.5. Opus CMC will apply the standard
 exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and
 loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.5.1. Please be aware that TILA
 contains a TRID-specific exemption for certain subordinate lien loans for the purposes of
 various types of assistance programs such as down payment or closing cost, property rehabilitation,
 energy efficiency or foreclosure avoidance or prevention. Opus CMC will not test such loans
 for TRID compliance  **<u>.</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.2.** **TRID COMPLIANCE REVIEW– LOAN ESTIMATE (″LE″)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.1. INITIAL LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.1.1. Verification of compliance with
 timing requirements as to whether the Initial LE was delivered within three (3) business
 days from the Application Date. The Initial LE shall use the delivery date to calculate the
 earliest closing Consummation Date (no less than seven (7) business days from the delivery
 of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures
 or places the disclosures in the mail, 1026.19(e)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2. REVISED LEs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1. If there has been a revision to
 the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or
 interest rate lock. Review as necessary for sufficient information to establish one of the
 six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.1. Changed Circumstance affecting
 settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.2. Change Circumstance affecting
 eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.3. Revisions requested by the
 consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.4. Interest rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.5. Expiration of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.6. Delayed settlement date on
 a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.7. Timing Requirement for LE
 7 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.3.** **DETERMINATION OF FINAL BINDING LE** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1. Review and analyze each LE in
 file to determine final Binding LE. If there is a change in loan terms, change in interest
 rate or increase in charges subject to variances without valid reason for a Revised LE as
 set forth above, findings will be cited. If a Revised LE was issued without a valid reason,
 the previous valid LE would be considered the Binding LE for the purposes of comparison with
 the Closing Disclosure. [Also see Variance Tests and Closing Disclosure for COC/BRC events
 disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.1. Verification of compliance with
 timing requirements that there have been no loan estimates provided to the borrower after
 a Closing Disclosure has been delivered, and whether the Final LE was provided at least four
 (4) business days prior to the closing Consummation Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.2. If the LE does not contain a signature
 line for the consumer's confirmation of receipt, then OPUS will look for the "Loan
 Acceptance" statement under "Other Considerations" or other client-documented
 acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3. Verification that the correct form
 is used and all sections of the Initial LE are completed (no blanks, "NA's"
 or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.1. Verification of the technical
 formatting of the LE is NOT included in the standard review. The formatting of the document
 is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.2. General loan information and
 loan terms sections completed and formatting is 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;3.7.3.1.3.2.1. Verify loan term, purpose,
 and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.2.2. Verify all applicants applying
 for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.4. "Can this amount increase
 after closing?" and "Does the loan have these features" sections are completed
 and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.5. If rate is locked, were lock expiration
 date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.6. Settlement charges good through
 date, time and time zone disclosed with minimum of 10 days during which borrower is permitted
 to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.7. Projected Payments and Estimated
 Taxes, Insurance & Assessments sections are complete and accurate based on
 the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.8. The Closing Costs and Cash-to-Close
 sections are complete and accurate based on the information provided on page 2 of the
 LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.9. Fees disclosed properly (alphabetical
 order within Section with certain exceptions, and all title fees start with ″Title
 – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.10. It is recommended that an Itemization
 of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult
 to determine if the fees are disclosed properly without this informationAny addenda found
 in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.11. If Interest Only Payments, Optional
 Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table
 disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.12. If ARM or Step Rate, is Adjustable
 Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures
 in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.13. The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.14. Rounding rules verified as
 per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.15. Other Considerations Section is
 complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.4.** **WRITTEN LIST OF PROVIDERS** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.4.1. If the lender places fees in the
 Services You Can Shop For category, verify that the file contains a Written List of Providers
 provided to the borrower within three (3) business days of application. The WLSP must
 include at least one available provider for each service and state the consumer may choose
 a different provider for that service. If a written list of service providers is not provided,
 the fees will be treated as a 10% Tolerance fee but a finding for missing service provider
 list will be noted. If a written list of service providers is provided outside of three (3) days
 of the application date, the fees will be treated as a 10% Tolerance fee but a finding for
 a service provider list being provided outside of three (3) days from application will
 be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.** **VARIANCE TESTS** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1. Utilize one (1) of the following
 Variance Categories in performing variance tests:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1. Zero Tolerance/Variance\* - A finding
 will be cited if any charges increase from the Binding LE to the Final CD without COC or
 BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.1. Fees paid to the lender, broker
 or an affiliate of either lender or broker [except fees paid to an affiliate of the lender
 for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.2. Fees paid to an unaffiliated
 third party if the lender did not permit the borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.3. Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.4. Lender Credits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2. 10% Tolerance/Variance\* –
 A finding will be cited if the aggregate of the charges increase by more than 10% from the
 Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not
 charged/reflected on the Final CD, the fee will be removed and not considered in calculating
 the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2.1. Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2.2. Charges for third party services
 not paid to creditor or affiliate AND borrower permitted to shop for service but selects
 a provider on the creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2.3. Prepaid mortgage insurance
 will be treated as a 10% tolerance fee if it can be shopped for (and not identified as an
 affiliate), otherwise it will be treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3. No Tolerance/Unlimited –
 No finding will be cited if any of the charges change from the Binding LE to the Final CD,
 provided that the disclosed amount on the LE is based on information reasonably known to
 the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.1. Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.2. Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.3. Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.4. Charges for services required
 by the creditor but the borrower is permitted to shop for and borrower selects a third party
 provider not on the lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.5. Charges for third party services
 NOT required by the creditor (even if paid to an affiliate of the creditor).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4. Notes of interest for "No
 Tolerance/Unlimited":

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.1. Prepaid property taxes charged
 by local and state governments periodically will have no tolerance under the general 'best
 information reasonably available' standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.2. As noted above, Opus CMC will
 review the loan file for evidence the disclosure was not made in "Good Faith".
 "Good faith" means the creditor made the estimate based on the information reasonably
 available to them at the time the LE was provided. Absent such evidence, Opus CMC will consider
 the disclosures made in "good faith". Two examples where a disclosure would be
 considered not made in "good faith" and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.2.1. The creditor requires homeowner's
 insurance but fails to include a homeowner's insurance premium, a finding will be added
 that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.2.2. The creditor knows the loan
 must close on the 15<sup>th</sup> of the month but estimates prepaid interest to be paid
 from the 30<sup>th</sup> of that month, a finding will be added that the LE was not issued
 in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5. Other Variance Notes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.1. Additionally, if a documented
 valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest
 rate within four (4) business days of consummation, the variance test will be performed
 based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs
 after initial CD has been provided) provided that the change is related to the COC or BRC
 per Comment 19(e)(4)(ii)-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.2. For loans with no Interim
 LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges
 on the CD are tested for compliance with permitted variances against fees disclosed on Initial
 LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.3. For loans with an Interim
 LE, the following procedures will be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.3.1. Review of each Interim LE
 and fees and charges on the CD are tested for compliance with variance thresholds against
 fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.6.** In
 cases where an Interim LE is issued with several fee increases, but only some are supported
 by or related to a valid COC or BRC, those fees which are not supported by or related to
 a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business
 days of changed circumstance) will be tested for variance using the amounts disclosed in
 the Initial LE previously valid LE.TRID COMPLIANCE REVIEW – CLOSING DISCLOSURE (″CD″)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1. Opus CMC will conduct a general
 CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.2. Recommendation: Closing Disclosure
 provided at closing be marked "Final." Although this is not a requirement, marking
 the Closing Disclosure as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.3. That the correct form is used
 and all sections of the CD are completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.4. Acknowledgement of receipt by
 all borrowers with a right to rescind under 1026.23 by verifying that each borrower with
 a right to rescind was provided with a copy of the CD. This could include the non-borrowing
 spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.5. If the CD does not contain a signature
 line for the consumer's signature, OPUS will look for the required alternative statement
 in "Other Disclosures" with the heading of "Loan Acceptance". While
 not required, Opus CMC highly recommends that the client require the CD to be signed and
 dated by the consumer as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.6. If a subsequent CD is issued having
 changes to (a) the loan product which affects disclosed terms and loan information;
 (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously
 disclosed APR by more than the permitted tolerances for accuracy, OPUS will test that the
 borrower was given an additional three (3)-business day waiting period from the date of final
 pre-close CD with (a) the final loan product; (b) the prepayment penalty addition;
 or (c) the APR, and that the final pre-close CD has been received by borrower by consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7. On the final CD the following
 checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.1. Verification of the technical formatting
 of the CD is out of scope in the standard review. The formatting of the document is the responsibility
 of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.2. Closing, Transaction and Loan Information
 sections have been completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.3. Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.3.1. Opus CMC will verify loan
 term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.3.2. Opus CMC will verify all applicants
 applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.4. "Can this mount increase
 after closing?" and "Does the loan have these features" sections are completed
 accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.5. Projected Payments and Estimated
 Taxes, Insurance & Assessments sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.6. Fees have been disclosed properly
 (alphabetically, correct buckets and all title fees start with ″Title – ″)
 in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.7. Any addenda found in file listing
 ADDITIONAL fees for sections other than Section C (Services You Can Shop For).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.8. Calculating Cash to Close table
 completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.9. Summaries of Transaction section
 completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.10. Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.10.1. CD Assumption, Demand Feature,
 Negative Amortization, and Partial Payments sections completed properly (at least and only
 one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.10.2. Late Payment completed properly
 (terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.10.3. Escrow Amount section completed
 properly (only one box selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.10.3.1. Escrow Property Costs over
 Year 1 to be calculated per the payments scheduled to be made in a 1 year period after consummation
 (1026.38)I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.11. Non-Escrowed Property Costs over
 1 Year to be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.12. If Interest Only, Optional Payments,
 Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed
 accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.13. If ARM or Step, is Adjustable
 Interest Rate (″AIR″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.14. Loan Calculations section complete
 and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.14.1. Total of Payments is accurate
 per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.14.1.1. Include fees in section
 A, B, and C that are paid by the borrower as well as the seller or other if those fees are
 customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.14.2. Capture amounts disclosed
 in Loan Calculations section and test for TILA tolerance violations on disclosed APR and
 Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.14.3. Total Interest Percentage
 (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.15. Other Disclosures section complete
 with at least one choice selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.15.1. Review for the creditor's
 selection of one of the two options in the Liability After Foreclosure section, but will
 not make an independent judgment whether or not the selection is correct for the property
 state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.16. Contact Information section is
 complete with information from the each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.7.17. Rounding rules verified as
 per 1026.38(t)(4). Rounding on all percentages except APR is percentages should be truncated
 so that a zero is not disclosed in the last decimal place (7.250 should be rounded to 7.25).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.7.** **TRID METHOD OF RECEIPT OF LE AND CD** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1. Determine the method of receipt
 of the revised LE and CD and perform a compliance test with timing requirements. For purposes
 of the review and verification, the date the borrower is deemed to have received the disclosure(s) is
 based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1.1. In Person: borrower signature date
 is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1.2. Electronic\* - No Receipt Confirmation
 in File: three (3) business days from later of document issue date or proof of e-delivery
 date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1.3. Electronic\* - With Receipt Confirmation
 in File, date of receipt confirmation is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1.4. Electronic\*-Delivery confirmation
 of an email, assuming the borrower(s) have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1.5. Mail (USPS or other parcel delivery
 service) – No Receipt Confirmation in File: three (3) business days from later
 of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation
 that documents have been delivered to the borrower(s) door. Signature receipt by anyone
 other than the borrower(s) to the mortgage transaction constitutes evidence of delivery,
 not receipt, for the purposes of the receipt requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1.6. Mail (USPS or other parcel delivery
 service) – With Receipt Confirmation in File: date of receipt confirmation is used.
 Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door.
 Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes
 evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown
 (unable to determine delivery method or unable to verify borrower received disclosures in
 any other method than by USPS Mail method): follow the USPS Mail delivery method of three
 (3) business days from the document issue date. As noted above, a signature by anyone
 other than the borrower(s) constitutes evidence of delivery and the method of receipt
 will be considered unknown, requiring an additional three (3) days from the date the
 non-borrower received the documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.2. \*NOTE: If disclosures are sent
 electronically, a finding will be cited if there is no evidence in the file that the borrower
 consented to receive disclosures electronically. Default to the three (3) business day
 mail rule for delivery without the proper documentation of borrower consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.8.** **OTHER RECOMMENDED TRID COMPLIANCE TESTS** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1. Apply the following additional
 compliance tests which were included in the recommended review scope resulting from the 2015
 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.2. Use of TRID forms prior to TRID
 effective date: a finding will be cited if the new TRID forms are utilized on a loan with
 an application received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.3. Use of TRID forms on loans not
 covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not
 covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans
 on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.4. Your Home Loan Toolkit: a finding
 will be cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was
 delivered or placed in the mail is not in the file or was not provided to the borrower within
 three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.5. Consummation Date: Consummation
 varies by applicable state law and the term is not often clearly defined. Accordingly generally
 use the notary date. If there are multiple borrowers and they do not all sign the documents
 on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.6. Post-Consummation Disclosures:
 TRID review scope will not include testing for compliance with the following post-consummation
 disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.6.1. Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.6.2. Mortgage servicing transfer and
 partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.9.** **SUBSEQUENT CHANGES AFTER CONSUMMATION** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1. The following prescribed cures
 as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes
 and corrections to the Final CD after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.1. 1026.19(f)(2)(iii) –
 Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.1.1. If within 30 days of consummation,
 an event in connection with the settlement of the transaction occurs that causes the final
 CD to become inaccurate and such inaccuracy results in a change to an amount actually paid
 by the borrower(s) from the amount disclosed, test for evidence that a new, corrected
 CD is delivered or placed in the mail to the borrower within thirty (30) days of receiving
 information that an event occurred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2. 1026.19(f)(2)(iv) –
 Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1. Non-numeric clerical errors,
 for the purpose of this scope document are any error not related to a disclosed dollar amount
 or percentage. Test for evidence a new, corrected CD is delivered or placed in the mail to
 the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical
 errors include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.1. Corrections to the closing
 information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.2. Corrections to the transaction
 information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.3. Corrections to loan id #
 or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.4. Corrections to non-numeric
 identifiers in the Estimated Taxes, Insurance & Assessments section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.5. Corrections to the fee labels
 and/or order of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.6. Corrections to the location
 of the fee(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;3.7.9.1.2.1.7. Corrections to missing cure
 language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.8. Corrections to the "Did
 This Change" section of Calculating Cash 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;3.7.9.1.2.1.9. Corrections to the Loan
 Disclosures section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.10. Corrections to non-numeric
 items in the Escrow Account section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.11. Corrections to the Other
 Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.2.1.12. Corrections to the Contact
 Information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.3. 1026.19(f)(2)(v) – Refunds
 related to the good faith analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.1.3.1. Test for evidence such as
 a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed
 in the mail to the borrower within sixty (60) calendar days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.2. A post-consummation CD is understood
 to be a re-issued CD with a Date Issued represented as the date the post-consummation CD
 was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation
 CD noted in the prescribed cures above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9.3. Errors on LE's and Interim
 CD's and numeric errors on final CD's which do not have prescribed cures as per
 the regulation will not be reported as having been cured. The assessment of risk and decision
 to accept a finding that does not have a prescribed cure is the responsibility of the purchaser
 of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.8** **Additional Disclosures and Requirements:** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1 Servicing Transfer Disclosure (for
 applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1.1 Confirm
 the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1.2 Verify the Servicing Transfer
 Disclosure was provided to the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2 Special
 Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications
 on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2.1 Confirm the presence of the Home
 Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2.2 Confirm the Home Loan Tool Kit
 is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3 Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.1 Confirm
 the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated
 business arrangements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.3 Confirm
 the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4 Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4.1 Confirm
 the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4.2 Confirm
 the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.9** **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.10** **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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.1 Frequency
 – Payable with same frequency as payments designated for the loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2 Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.1 Loan
 is an extension of credit primarily for business, commercial or agricultural purposes

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3 Flood
 Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.1 Meets 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group 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;3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.11** **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;**3.12** **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.

&nbsp;&nbsp;&nbsp;&nbsp;**4.** **High Cost - State & Local Anti-Predatory Regulations:** 

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

&nbsp;&nbsp;&nbsp;&nbsp;**4.1** Arkansas
 Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.2** California
 Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.3** California
 Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.5** Colorado
 Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.8** District
 of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq.,
 as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure
 Act of 2007.

&nbsp;&nbsp;&nbsp;&nbsp;**4.9** Florida
 Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.10** Georgia
 Fair Lending Act, GA. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill
 02-1361 and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;**4.11** Idaho
 Residential Mortgage Practices Act, ID. Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.12** Illinois
 High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.13** Illinois
 High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.14** Illinois
 High Risk Home Loan Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;**4.15** City
 of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§
 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.24** Massachusetts
 Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;**4.25** Massachusetts
 "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;**4.26** Massachusetts
 Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;**4.27** Michigan
 Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.28** Minnesota
 Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and
 as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;**4.29** Nebraska
 Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.33** New
 York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.37** City
 of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;**4.38** Oklahoma
 Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.40** Pennsylvania
 Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.44** South
 Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.46** Texas
 High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**4.47** Texas
 Constitution, Section 50(a)(6), Article XVI

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.51** Virginia
 Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), VA. Code
 Ann. §§ 6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;**4.52** Virginia
 Mortgage Lender and Broker Act (for loans originated after July 1, 2003), VA. Code Ann.
 §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;**4.53** Washington
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;**4.54** Wisconsin
 Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202.

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.56** Wyoming
 Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;**5.** **Misrepresentation and Third Party Product Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.1** **Misrepresentation Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.1 Signatures

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.2 Alerts

Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.4 Document Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.5 Data Consistency

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.6 Third Party Fraud Tools

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.2** **Independent Third Party Values** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2 Consultant
 will also perform the following steps

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1 Based
 on review of the original appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.1 Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.2 Value is based on as-is condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.3 Property is described as average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.4 No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.5 Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.2 Appraisal
 is completed on 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;5.2.2.2.1 Appraisal contains required attachments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.3 Appraiser
 was appropriately licensed at the time the appraisal was signed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4 Value
 Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.1 The
 individuals performing the above procedures are not person providing valuations for the purpose
 of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
 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.

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

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

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

**5.3 Payment History and Servicing Comments**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.1 –
 Timely payment posting

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.2 –
 Request for modification

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.3 –
 Property condition issues

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.4 –
 Change in occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.5 –
 Change in ability to pay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.6 –
 Other items impacting the enforcement of the lien

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.4** **Title Reports** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.5** **Updated FICO Scores** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.6** **Properties in FEMA declared disaster zones.** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.1 No apparent
 damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.2 Property
 appears to be occupied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.3 To the
 extent the property is located in an active FEMA zone and no inspection was located in the
 provided, Consultant will order an inspection.

&nbsp;&nbsp;&nbsp;&nbsp;**6.** **Data Compare** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.1** Appraised
 Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.2** CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.3** DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.4** FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.5** Interest
 Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.6** Interest
 Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.7** Loan
 Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.8** Loan
 Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9** LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.10** Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11** Original
 Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12** Property
 Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13** Property
 City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14** Property
 State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15** Property
 Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16** Sales
 Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17** Second
 Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.18** Self
 Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19** Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.20** Zip
 Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.21** Loan
 Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.22** QM
 Status

&nbsp;&nbsp;&nbsp;&nbsp;**7.** **Fitch Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;**8.** **Moody's Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;**9.** **Kroll Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;**10.** **Standard & Poor's Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;**11.** **DBRS Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;**12.** **Opus Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**12.1** Opus
 Credit Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1.2 Opus Level 2 Credit Grade Definition

Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1.3 Opus Level 3 Credit Grade Definition

Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**12.2** Opus Property Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2.1 Opus Level 1 Property Grade Definition

Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2.2 Opus Level 2 Property Grade Definition

Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2.3 Opus Level 3 Property Grade Definition

Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**12.3** Opus Compliance Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3.2 Opus Level 2 Compliance Grade Definition

There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3.3 Opus Level 3 Compliance Grade Definition

Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

13. Section 13.1 is hereby inserted into <u>Exhibit A</u> to the SOW as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**13.1** **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 to 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.

14. Section 14.1 is hereby inserted into <u>Exhibit A</u> to the SOW as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**14.1** **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.

**<u>Pool Details</u>**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |  |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |  |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;32 | &nbsp;&nbsp;26.02% |  |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;83 | &nbsp;&nbsp;67.48% |  |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.50% |  |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |  |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;61 | &nbsp;&nbsp;49.59% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;Co-op | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;9.76% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;PUD | &nbsp;&nbsp;43 | &nbsp;&nbsp;34.96% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;100 | &nbsp;&nbsp;81.30% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;11.38% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;9 | &nbsp;&nbsp;7.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;108 | &nbsp;&nbsp;87.80% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.19% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.75% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.19% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.75% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.37% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.75% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;31 | &nbsp;&nbsp;74.80% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**123** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were three (3) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated March 9, 2026

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of <br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77 | &nbsp;&nbsp;62.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;37.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp; **Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of <br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;106 | &nbsp;&nbsp;86.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | | |
| &nbsp;&nbsp; **Fitch and S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of <br> Loans** | <br>&nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;115 | &nbsp;&nbsp;93.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp; **Fitch and S&P NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;112 | &nbsp;&nbsp;91.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.94% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp; **Fitch NRSRO Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of <br> Loans** | <br>&nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;90 | &nbsp;&nbsp;73.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;33 | &nbsp;&nbsp;26.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed</u>**

**(123 Loans)**

![](tm268691d1_ex99-4img02.jpg)

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **ALT 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 | XXXXX | 26041203 | XXXXX | Closed | 2025-10-09 09:55 | 2025-10-13 15:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided evidence the ICD was viewed electronically. Condition cleared. - Due Diligence Vendor-10/13/2025 <br> Resolved-Resolved, timing in tolerance - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Borrower viewed it on the same day of the inital CD XX/XX/XXXX. - Buyer-10/13/2025 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/09/2025 <br> Open- - Due Diligence Vendor-10/09/2025 |  |  |  |  |  | XX | Second Home | Purchase | NA | 5836821 | N/A | N/A |
| XXXX | XXXXX | 26041212 | XXXXX | Closed | 2025-10-23 15:15 | 2025-10-23 15:15 | 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-10/23/2025 |  | 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-10/23/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5995594 | Investor Post-Close | No |
| XXXX | XXXXX | 26041217 | XXXXX | Closed | 2025-11-17 07:01 | 2025-12-10 09:25 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. title commitment - Buyer-12/09/2025 <br>Open-Title Document is missing - Due Diligence Vendor-11/17/2025 |  | Resolved-Title Document is not Missing - Due Diligence Vendor-12/10/2025<br>| XXXXXXX title comm.pdf |  |  | XX | Primary Residence | Purchase | NA | 6269414 | N/A | N/A |
| XXXX | XXXXX | 26041240 | XXXXX | Closed | 2025-12-01 17:45 | 2025-12-01 18:16 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to non-warrantable condo is not allowed using IO program. Per Guidelines, Non-Warrantable Condo is ineligible for the Interest-Only Mortgage Program. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 |  | Waived-Property type is ineligible due to non-warrantable condo is not allowed using IO program. Per Guidelines, Non-Warrantable Condo is ineligible for the Interest-Only Mortgage Program. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025<br>|  |  | Not at max LTV; additional income not being used to qualify. | XX | Investment | Purchase | NA | 6437765 | Originator Pre-Close | Yes |
| XXXX | XXXXX | 26041249 | XXXXX | Closed | 2025-11-24 08:44 | 2025-12-01 16:40 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Received clarification GL updates effective for all pipeline loans. Finding resolved. - Due Diligence Vendor-12/01/2025 <br> Counter-Loan was locked XX/XX/XXXX and reviewed to FLEX Matrix dated 9/5/2025 which limits maximum number of financed properties to 10. GL revision date 10/17 will allow for a maximum of 20. It appears an exception may be required. Condition remains - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/01/2025 <br> Open-Borrower has 11 financed properties including primary residence. Lender guidelines allow maximum of 10. - Due Diligence Vendor-11/24/2025 |  | Resolved-Received clarification GL updates effective for all pipeline loans. Finding resolved. - Due Diligence Vendor-12/01/2025<br>| XXXXXXXXXX_XXXXXX_Financed Porperites.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6361368 | N/A | N/A |
| XXXX | XXXXX | 26041246 | XXXXX | Closed | 2025-11-22 01:24 | 2025-12-03 15:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached Initial CD - Buyer-12/03/2025 <br> Counter-The initial CD is missing from the loan file. Please provide Initial CD dated XX/XX/XXXX per Disclosure Tracking Sheet. Additional conditions may apply. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Loan did not disburse until XX/XX/XXXX as seen on the executed CD. - Buyer-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-11/22/2025 <br> Open- - Due Diligence Vendor-11/22/2025 |  | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/03/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/03/2025<br>| XXXXXXXXXX_XXXXXX _InitialCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6353245 | N/A | N/A |
| XXXX | XXXXX | 26041252 | XXXXX | Closed | 2025-12-03 10:55 | 2025-12-03 11:02 | 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-12/03/2025 |  | 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-12/03/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6467168 | Investor Post-Close | No |
| XXXX | XXXXX | 26041252 | XXXXX | Closed | 2025-11-24 03:22 | 2025-12-03 11:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6358278 | Investor Post-Close | No |
| XXXX | XXXXX | 26041252 | XXXXX | Closed | 2025-11-24 02:38 | 2025-12-03 11:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025 |  | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6358094 | Investor Post-Close | No |
| XXXX | XXXXX | 26041322 | XXXXX | Closed | 2026-01-09 12:54 | 2026-01-09 12:54 | 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-01/09/2026 |  | 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-01/09/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7012522 | Investor Post-Close | No |
| XXXX | XXXXX | 26041319 | XXXXX | Closed | 2025-12-31 00:15 | 2026-01-21 20:33 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Issue Cured. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached refund package including refund letter, refund check, PCCD and FedEx label. - Seller-01/19/2026 <br>Open- - Due Diligence Vendor-01/15/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($100.00) were applied to the total fee variance of ($150.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-01/15/2026 <br>Open- - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Buyer-01/15/2026 <br>Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($198.30) 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. Tolerance cure of ($198.30) to be provided within 60 days of discovery - Due Diligence Vendor-12/31/2025 <br>Open- - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached refund package including refund letter, refund check, PCCD and FedEx label. - Seller-01/19/2026<br>| Cured-Issue Cured. - Due Diligence Vendor-01/22/2026<br>| XXXXXXXXXX_XXXXXX_PCCD.pdf<br> XXXXXXXXXX_XXXXXX_RefundPackage.pdf |  |  | XX | Primary Residence | Purchase | NA | 6865674 | N/A | N/A |
| XXXX | XXXXX | 26041319 | XXXXX | Closed | 2025-12-31 00:15 | 2026-01-21 20:33 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Issued Cured. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached refund package including refund letter, refund check, PCCD and FedEx label. - Seller-01/19/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($100.00) were applied to the total fee variance of ($150.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Tolerance cure of ($150.00) to be provided within 60 days of discovery. - Due Diligence Vendor-01/15/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($100.00) were applied to the total fee variance of ($150.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Tolerance cure of ($150.00) to be provided within 60 days of discovery. - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-01/15/2026 <br> Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($198.30) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Tolerance cure of ($198.30) to be provided within 60 days of discovery - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached refund package including refund letter, refund check, PCCD and FedEx label. - Seller-01/19/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-01/15/2026<br>| Cured-Issued Cured. - Due Diligence Vendor-01/22/2026<br>| XXXXXXXXXX_XXXXXX_PCCD.pdf<br> XXXXXXXXXX_XXXXXX_RefundPackage.pdf |  |  | XX | Primary Residence | Purchase | NA | 6865673 | N/A | N/A |
| XXXX | XXXXX | 26041313 | XXXXX | Closed | 2025-12-29 14:17 | 2026-02-04 08:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-02/04/2026 <br>Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/29/2025 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026 <br>Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6839834 | Investor Post-Close | No |
| XXXX | XXXXX | 26041282 | XXXXX | Closed | 2025-12-08 06:41 | 2025-12-09 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Attached - Buyer-12/09/2025 <br>Open-Missing Borrower Identification - Borrower 2. Missing photo ID or fully completed Patriot Act form for Borrower 2. - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/09/2025<br>| XXXXXXXXXX_XXXXXX_Id.pdf |  |  | XX | Primary Residence | Purchase | NA | 6524771 | N/A | N/A |
| XXXX | XXXXX | 26041282 | XXXXX | Closed | 2025-12-08 13:02 | 2025-12-08 13:12 | 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-12/08/2025 |  | 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-12/08/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6533412 | Investor Post-Close | No |
| XXXX | XXXXX | 26041215 | XXXXX | Closed | 2025-11-10 14:22 | 2026-01-28 13:17 | Resolved | 1 - Information | Property | Missing Doc | Missing Second Appraisal (Property) | Resolved-Second appraisal was provided - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-11/11/2025 <br> Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. Guidelines require Two full appraisals for loan amount > $X XXXXXXX. The loan file contains only 1 full appraisal. Additional conditions may apply upon receipt. - Due Diligence Vendor-11/10/2025 |  | Resolved-Second appraisal was provided - Due Diligence Vendor-11/11/2025<br>| XXXXXXXXXX_XXXXXX_Appraisals.pdf |  |  | XX | Primary Residence | Purchase | NA | 6199487 | N/A | N/A |
| XXXX | XXXXX | 26041265 | XXXXX | Closed | 2025-12-05 10:12 | 2026-01-20 19:11 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached VOE - Buyer-12/08/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing 3rd Party employment verification. - Due Diligence Vendor-12/05/2025 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/08/2025<br>| XXXXXXXXXX_XXXXXX_VOE.pdf |  |  | XX | Second Home | Purchase | NA | 6503905 | N/A | N/A |
| XXXX | XXXXX | 26041265 | XXXXX | Closed | 2025-12-05 07:53 | 2025-12-08 08:35 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached VOE - Buyer-12/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-12/05/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/08/2025<br>| XXXXXXXXXX_XXXXXX_VOE.pdf |  |  | XX | Second Home | Purchase | NA | 6500956 | N/A | N/A |
| XXXX | XXXXX | 26041265 | XXXXX | Closed | 2025-12-05 09:59 | 2025-12-05 10:25 | 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-12/05/2025 |  | 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-12/05/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6503603 | Investor Post-Close | No |
| XXXX | XXXXX | 26041204 | XXXXX | Closed | 2025-10-09 08:28 | 2025-10-09 08:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-10/09/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-10/09/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5835308 | Investor Post-Close | No |
| XXXX | XXXXX | 26041205 | XXXXX | Closed | 2025-10-09 14:29 | 2025-10-09 14:29 | 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-10/09/2025 |  | 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-10/09/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5842857 | Investor Post-Close | No |
| XXXX | XXXXX | 26041206 | XXXXX | Closed | 2025-10-06 22:19 | 2025-10-06 22:20 | 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-10/07/2025 |  | 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-10/07/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5796131 | Investor Post-Close | No |
| XXXX | XXXXX | 26041207 | XXXXX | Closed | 2025-10-08 05:23 | 2025-10-15 11:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. copy of patriot form for XXXXX - Buyer-10/14/2025 <br> Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-10/08/2025 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-10/15/2025<br>| XXXXXXXXXX_XXXXXX_PatrioitformforshokoXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 5816060 | N/A | N/A |
| XXXX | XXXXX | 26041207 | XXXXX | Closed | 2025-10-08 08:15 | 2025-10-08 08:15 | 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-10/08/2025 |  | 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-10/08/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5817958 | Investor Post-Close | No |
| XXXX | XXXXX | 26041254 | XXXXX | Closed | 2025-12-08 05:54 | 2025-12-16 10:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Borrower 1 signed with a POA. XXXXXXX signed as agent for XXXX that is why the Pat Act wasn't completed & we don't have an ID - Buyer-12/15/2025 <br> Open-Missing Borrower Identification - Borrower 1. Missing photo ID or completed Patriot Act Form for B1. - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/16/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6524358 | N/A | N/A |
| XXXX | XXXXX | 26041255 | XXXXX | Closed | 2025-12-11 13:34 | 2026-01-12 16:12 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-12/18/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a CDA desk review from Clear Capital when the CU score is not available. No CDA desk review in file. - Due Diligence Vendor-12/11/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/18/2025<br>| Appraisal - Appraisal Review - Desk.PDF |  |  | XX | Primary Residence | Purchase | NA | 6590787 | N/A | N/A |
| XXXX | XXXXX | 26041255 | XXXXX | Closed | 2025-12-08 07:55 | 2025-12-18 11:29 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-12/18/2025<br>| XXXXXXXXXX_XXXXXX_Initial CD.pdf |  |  | XX | Primary Residence | Purchase | NA | 6525740 | N/A | N/A |
| XXXX | XXXXX | 26041255 | XXXXX | Closed | 2025-12-08 05:48 | 2025-12-18 11:21 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. New York pamphlet "What Mortgage Applicants Need to Know" document is missing and required to be provided to borrowers within 3 days of loan application for any application taken after XX/XX/XXXX. - Due Diligence Vendor-12/08/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/18/2025<br>| XXXXXXXXXX_XXXXXX_New York pamphlet.pdf |  |  | XX | Primary Residence | Purchase | NA | 6524295 | N/A | N/A |
| XXXX | XXXXX | 26041255 | XXXXX | Closed | 2025-12-08 05:42 | 2025-12-11 14:23 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice document is missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice document is missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6524190 | Investor Post-Close | No |
| XXXX | XXXXX | 26041255 | XXXXX | Closed | 2025-12-08 05:42 | 2025-12-11 14:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6524188 | Investor Post-Close | No |
| XXXX | XXXXX | 26041202 | XXXXX | Closed | 2025-09-26 08:11 | 2025-11-18 15:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Hello,<br>Please see ID<br>Thank you, - Buyer-11/18/2025 <br>Open-Missing Borrower Identification - Borrower 1. Missing photo ID or completed Patriot Act form. - Due Diligence Vendor-09/26/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/18/2025<br>| XXXXXXXXXX_XXXXXX_ID.pdf |  |  | XX | Primary Residence | Purchase | NA | 5683103 | N/A | N/A |
| XXXX | XXXXX | 26041201 | XXXXX | Closed | 2025-09-26 15:40 | 2026-02-06 12:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/25/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered. Income documentation accepted with Beginning YTD balances reflected on statements and omitting unseasoned deposit. Guidelines met. Finding resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br> Ready for Review-The following assets account balances are validated as seasoned:<br>XXXXXXXX XXXX XXXXXXXXXX account - The XX/XX/XXXX statement shows a Year-to-Date beginning balance of $X,XXX,XXX.XX (XX/XX/XXXX) and an ending balance of $X,XXX,XXX.XX as of XX/XX/XXXX. The only YTD addition to this account was shares transferred in on XX/XX/XXXX valued at $XXX,XXX.XX, which is reflected on the XX/XX/XXXX statement. As such, the only amount seasoned less than 120-days is the $XXX,XXX.XX. Backing out the unseasoned transfer of $XXX,XXX.XX equates to $X,XXX,XXX.XX adjusted XX/XX/XXXX balance to be used for the income calculation.<br>XXXXXXXX XXXX XXXXXXXX XXX - The XX/XX/XXXX statement shows a Year-to-Date beginning balance of $X,XXX,XXX.XX (XX/XX/XXXX) and an ending balance of $X,XXX,XXX.XX as of XX/XX/XXXX. There are were no additions to this account in XXXX thru XX/XX - the entire balance is seasoned 7 months.<br>The XXX XXXX account is not seasoned from what I see. I have removed this account from the residual income calculation.<br>The updated monthly income is $XX,XXX.XX with residual income of $X,XXX.XX, which exceeds the minimum residual income requirement of $X,XXX.X. The attached income calculation, 1003, and 1008 have been updated and uploaded to XX.<br>Thank you! - Buyer-11/24/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Loan was approved under the Asset Utilization Program. Per Guidelines, qualifying assets must be seasoned for 120 days. The loan file contained statements for the period XX/XX/XXXX - XX/XX/XXXX, or 90 days. Seasoning requirement was not met. - Due Diligence Vendor-09/26/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/25/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered. Income documentation accepted with Beginning YTD balances reflected on statements and omitting unseasoned deposit. Guidelines met. Finding resolved. - Due Diligence Vendor-11/25/2025<br>| XXXXXXXXXX_XXXXXX_1008_1003_IncomeCalc.pdf |  |  | XX | Primary Residence | Purchase | NA | 5691852 | N/A | N/A |
| XXXX | XXXXX | 26041201 | XXXXX | Closed | 2025-09-26 16:13 | 2025-11-25 16:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Income documentation accepted with Beginning YTD balances reflected on statements and omitting unseasoned deposit. Guidelines met. Finding resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-The following assets account balances are validated as seasoned:<br>XXXXXXXX XXXX XXXXXXXXXX account - The XX/XX/XXXX statement shows a Year-to-Date beginning balance of $X,XXX,XXX.XX (XX/XX/XXXX) and an ending balance of $X,XXX,XXX.XX as of XX/XX/XXXX. The only YTD addition to this account was shares transferred in on XX/XX/XXXX valued at $XXX,XXX.XX, which is reflected on the XX/XX/XXXX statement. As such, the only amount seasoned less than 120-days is the $XXX,XXX.XX. Backing out the unseasoned transfer of $XXX,XXX.XX equates to $X,XXX,XXX.XX adjusted XX/XX/XXXX balance to be used for the income calculation.<br>XXXXXXXX XXXX XXXXXXXX XXX - The XX/XX/XXXX statement shows a Year-to-Date beginning balance of $X,XXX,XXX.XX (XX/XX/XXXX) and an ending balance of $X,XXX,XXX.XX as of XX/XX/XXXX. There are were no additions to this account in XXXX thru XX/XX - the entire balance is seasoned 7 months.<br>The XXX XXXX account is not seasoned from what I see. I have removed this account from the residual income calculation.<br>The updated monthly income is $XX,XXX.XX with residual income of $X,XXX.XX, which exceeds the minimum residual income requirement of $X,XXX.XX. The attached income calculation, 1003, and 1008 have been updated and uploaded to XX.<br> - Buyer-11/24/2025 <br> Open-Loan was approved under the Asset Utilization Program. Per Guidelines, qualifying assets must be seasoned for 120 days. The loan file contained statements for the period XX/XX/XXXX = XX.XX.XXXX, or 90 days. Seasoning requirement was not met. - Due Diligence Vendor-09/26/2025 |  | Resolved-Income documentation accepted with Beginning YTD balances reflected on statements and omitting unseasoned deposit. Guidelines met. Finding resolved. - Due Diligence Vendor-11/25/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5692213 | N/A | N/A |
| XXXX | XXXXX | 26041275 | XXXXX | Closed | 2025-12-08 06:31 | 2025-12-09 12:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - ARM Rider | Resolved-Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with Rider. - Buyer-12/09/2025 <br>Open-Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM - Due Diligence Vendor-12/08/2025 |  | Resolved-Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - Due Diligence Vendor-12/09/2025<br>| XXXXXXXXXX_XXXXXX_DOT and Rider.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6524681 | N/A | N/A |
| XXXX | XXXXX | 26041275 | XXXXX | Closed | 2025-12-08 06:31 | 2025-12-09 12:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. DOT with rider attached. - Buyer-12/09/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/08/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/09/2025<br>| XXXXXXXXXX_XXXXXX_DOT and Rider.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6524682 | N/A | N/A |
| XXXX | XXXXX | 26041247 | XXXXX | Closed | 2025-11-22 08:53 | 2025-12-02 11:16 | 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-11/22/2025 |  | 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-11/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6354206 | Investor Post-Close | No |
| XXXX | XXXXX | 26041211 | XXXXX | Closed | 2025-10-13 12:50 | 2025-10-27 08:47 | 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-10/13/2025 |  | 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-10/13/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5875259 | Investor Post-Close | No |
| XXXX | XXXXX | 26041242 | XXXXX | Closed | 2025-11-21 13:16 | 2026-02-06 15:07 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 1 IRS Transcripts Do Not Match Income Docs | Resolved-Finding resolved The Wage and Income Transcript for the borrower's SSN doesn't show the 1099 income because it was paid to his business. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/05/2025 <br> Counter-The 1099 shows income of $XX,XXX.XX which is not on the borrower's Wage/Income transcript in original file. Transcript for the business is showing income of $XX,XXX.XX which also doesn't match the 1099. It doesn't appear any of the income was reported on the borrower's Wage and Income Transcript. Condition remains. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/26/2025 <br> Open-Borrower 1 IRS Transcripts Do Not Match Income Docs Missing 4506-C Wage and Income transcript supporting the XXXX 1099 in file. Additional conditions may apply - Due Diligence Vendor-11/21/2025 |  | Resolved-Finding resolved The Wage and Income Transcript for the borrower's SSN doesn't show the 1099 income because it was paid to his business. - Due Diligence Vendor-12/05/2025<br>| XXXXXXXXXX_XXXXXX_4506.pdf<br> XXXXXXXXXX_XXXXXX_income.pdf |  |  | XX | Primary Residence | Purchase | NA | 6345918 | N/A | N/A |
| XXXX | XXXXX | 26041242 | XXXXX | Closed | 2025-11-21 13:22 | 2026-02-06 15:07 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/05/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements wage & tax transcripts does not match 1099 - Due Diligence Vendor-11/21/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/05/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6346011 | N/A | N/A |
| XXXX | XXXXX | 26041219 | XXXXX | Closed | 2025-11-20 06:40 | 2025-11-21 12:20 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6317726 | Investor Post-Close | No |
| XXXX | XXXXX | 26041227 | XXXXX | Closed | 2025-11-24 12:08 | 2025-11-24 12:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025 |  | 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-11/24/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6367741 | Investor Post-Close | No |
| XXXX | XXXXX | 26041263 | XXXXX | Closed | 2025-12-01 14:07 | 2026-01-23 08:48 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of XXX is less than Guideline FICO of 660 Guidelines require a minimum credit score of 660. Borrower credit score XXX. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 |  | Waived-Audited FICO of XXX is less than Guideline FICO of 660 Guidelines require a minimum credit score of 660. Borrower credit score XXX. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 |  |  | GL LTV 70% vs 52.05%<br> No Mortgage lates 120+ days most recent 1-12 months | XX | Primary Residence | Refinance | Cash Out - Other | 6434271 | Originator Pre-Close | Yes |
| XXXX | XXXXX | 26041294 | XXXXX | Closed | 2025-12-12 08:48 | 2026-01-26 15:01 | 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-12/12/2025 |  | 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-12/12/2025 |  |  |  | XX | Second Home | Refinance | Cash Out - Other | 6600631 | Investor Post-Close | No |
| XXXX | XXXXX | 26041257 | XXXXX | Closed | 2025-12-15 07:59 | 2025-12-15 08:10 | 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-12/15/2025 |  | 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-12/15/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6621259 | Investor Post-Close | No |
| XXXX | XXXXX | 26041231 | XXXXX | Closed | 2025-11-19 06:26 | 2025-11-21 13:01 | 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-11/19/2025 |  | 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-11/19/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6301051 | Investor Post-Close | No |
| XXXX | XXXXX | 26041260 | XXXXX | Closed | 2025-12-26 14:47 | 2025-12-26 14:47 | 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-12/26/2025 |  | 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-12/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6819392 | Investor Post-Close | No |
| XXXX | XXXXX | 26041226 | XXXXX | Closed | 2025-11-18 10:09 | 2025-12-15 12:34 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. updated HOI policy - Buyer-12/15/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXX - Due Diligence Vendor-11/18/2025 |  | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/15/2025 | XXXXXXXXX HOI.pdf |  |  | XX | Second Home | Purchase | NA | 6289629 | N/A | N/A |
| XXXX | XXXXX | 26041258 | XXXXX | Closed | 2025-12-19 11:29 | 2026-01-12 13:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see the attached regarding pending current condition. - Buyer-12/30/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The loan was approved using the 1 Year 1099 Program. Guidelines required the most recent 1099 and current receipt with either pay statements covering the most recent 30 days earnings including YTD totals or the most recent three consecutive months bank statements. The file contains paystubs dated XX/XX/XXXX and XX/XX/XXXX, which were not the most recent stubs to closing date XX/XX/XXXX and there were only 2 consecutive months of bank statements from XX/XX/XXXX and XX/XX/XXXX and then a statement from XX/XX/XXXX. - Due Diligence Vendor-12/19/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/31/2025<br>| XXXXXXXXXX_XXXXXX_Conditions.pdf |  |  | XX | Primary Residence | Purchase | NA | 6707653 | N/A | N/A |
| XXXX | XXXXX | 26041258 | XXXXX | Closed | 2025-12-19 11:24 | 2025-12-31 08:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided documentation sufficient to cover income calculation, finding resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see the attached regarding pending current condition. - Buyer-12/30/2025 <br> Open-The loan was approved using the 1 Year 1099 Program. Guidelines required the most recent 1099 and current receipt with either pay statements covering the most recent 30 days earnings including YTD totals or the most recent three consecutive months bank statements. Income is to be calculated using the lesser of the current YTD receipts or 1099 minus 10% expense factor. Lender approved using monthly income of $XX,XXX.XX from the XXXX 1099 - 10%. The file contains paystubs dated XX/XX/XXXX and XX/XX/XXXX, which were not the most recent stubs to closing date XX/XX/XXXX and there were only 2 consecutive months of bank statements from XX/XX/XXXX and XX/XX/XXXX and then a statement from XX/XX/XXXX. Provide paystubs from XX/XXXX covering 30 days and YTD or the XX/XX/XXXX bank statement reflecting income information. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |  | Resolved-Lender provided documentation sufficient to cover income calculation, finding resolved. - Due Diligence Vendor-12/31/2025<br>| XXXXXXXXXX_XXXXXX_Conditions.pdf |  |  | XX | Primary Residence | Purchase | NA | 6707516 | N/A | N/A |
| XXXX | XXXXX | 26041251 | XXXXX | Closed | 2025-11-23 12:38 | 2025-12-03 09:52 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The Hazard Effective date of XX/XX/XXXX is prior to the disbursement date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/23/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The Hazard Effective date of XX/XX/XXXX is prior to the disbursement date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/23/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6356460 | Investor Post-Close | No |
| XXXX | XXXXX | 26041251 | XXXXX | Closed | 2025-11-24 04:30 | 2025-12-03 09:51 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6358607 | Investor Post-Close | No |
| XXXX | XXXXX | 26041253 | XXXXX | Closed | 2025-12-03 11:29 | 2025-12-08 15:37 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/08/2025 <br>Counter-Please provide UW Transmittal Summary 1008, thank you. Condition remains. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-12/05/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/03/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025<br>| XXXXXXXXXX_XXXXXX_Approval.pdf<br> XXXXXXXXXX_XXXXXX_1008.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6467920 | N/A | N/A |
| XXXX | XXXXX | 26041230 | XXXXX | Closed | 2025-11-19 12:29 | 2026-01-28 10:52 | Waived | 2 - Non-Material | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.<br>- Due Diligence Vendor-11/19/2025 |  | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.<br>- Due Diligence Vendor-11/19/2025<br>|  |  | Compensating Factors: <br> Borrower previously worked for family owned business, in XX/XXXX business was transferred to borrower as 100% <br> owner. 2 year history in this business but business was previously owned by parents. Have XX months as owner. <br> Strong reserves, low DTI. <br>Compensating factors are met | XX | Primary Residence | Purchase | NA | 6308577 | Originator Pre-Close | Yes |
| XXXX | XXXXX | 26041221 | XXXXX | Closed | 2025-11-21 11:52 | 2025-12-10 09:19 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/10/2025 <br>Ready for Review-upload to other condition thread - Buyer-12/09/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing evidence that business has been in existence for at least two years. - Due Diligence Vendor-11/21/2025 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/10/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6344271 | N/A | N/A |
| XXXX | XXXXX | 26041221 | XXXXX | Closed | 2025-11-21 11:50 | 2025-12-10 09:17 | Resolved | 1 - Information | Credit | Income/Employment | Income/Employment General | Resolved-Proof of SE for more than 2 years provided. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. SE docs attached - Buyer-12/09/2025 <br> Open-Per Guidelines, to qualify for the Bank Statement Program, the borrower must have owned the business for at least two years. The loan file did not contain proof of length of self-employment. The CPA letter in file only stated borrower's percentage of ownership. The loan approval states that self-employment was verified via the TN Secretary of State and the Operating Agreement, both of which were not found in the loan file. - Due Diligence Vendor-11/21/2025 |  | Resolved-Proof of SE for more than 2 years provided. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| XXXX SE income docs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6344253 | N/A | N/A |
| XXXX | XXXXX | 26041264 | XXXXX | Closed | 2025-12-05 09:59 | 2025-12-11 13:20 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-PCCD, evidence of refund to the borrower and letter of explanation provided. Finding is cured. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Attached PCCD LOE - Seller-12/11/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Wire Transfer Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Fee increased from $10 to $25 with no valid COC. - Due Diligence Vendor-12/05/2025 <br>Open- - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Attached PCCD LOE - Seller-12/11/2025<br>| Cured-PCCD, evidence of refund to the borrower and letter of explanation provided. Finding is cured. - Due Diligence Vendor-12/11/2025<br>| XXXXXXXXXX_XXXXXX_PCCD_LOE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6503615 | N/A | N/A |
| XXXX | XXXXX | 26041264 | XXXXX | Closed | 2025-12-05 09:59 | 2025-12-11 13:19 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-PCCD, evidence of refund to the borrower and letter of explanation provided. Finding is cured. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Attached PCCD LOE - Buyer-12/11/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Wire Transfer Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Fee increased from $10 to $25 with no valid COC. - Due Diligence Vendor-12/05/2025 <br>Open- - Due Diligence Vendor-12/05/2025 |  | Cured-PCCD, evidence of refund to the borrower and letter of explanation provided. Finding is cured. - Due Diligence Vendor-12/11/2025<br>| XXXXXXXXXX_XXXXXX_PCCD_LOE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6503614 | N/A | N/A |
| XXXX | XXXXX | 26041264 | XXXXX | Closed | 2025-12-01 12:08 | 2025-12-05 09:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-PCCD provided showing fees moved from B to C. Finding resolved. - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Attached PCCD moving fees from B to C. Thank you - Seller-12/05/2025 <br> Counter-These COC's were already considered. Is there a PCCD moving fees from B to C by chance? Thank you. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Attached changed circumstance - Seller-12/04/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Document Preparation Fee, Courier Fee, Settlement or Closing Fee, Wire Transfer Fee, Electronic Document Delivery Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increases of the Courier Fee, Title Policy, Reconveyance, Settlement or Wire fees and Electronic Delivery. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Attached PCCD moving fees from B to C. Thank you - Seller-12/05/2025 <br>Ready for Review-Attached changed circumstance - Seller-12/04/2025<br>| Resolved-PCCD provided showing fees moved from B to C. Finding resolved. - Due Diligence Vendor-12/05/2025<br>| XXXXXXXXXX_XXXXXX_COC.pdf<br> XXXXXXXXXX_XXXXXX_PCCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6431427 | N/A | N/A |
| XXXX | XXXXX | 26041264 | XXXXX | Closed | 2025-12-01 12:08 | 2025-12-05 09:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-PCCD provided showing fees moved from B to C. Finding resolved. - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Attached PCCD moving fees from B to C. Thank you - Buyer-12/05/2025 <br> Counter-These COC's were already considered. Is there a PCCD moving fees from B to C by chance? Thank you. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Attached changed circumstance - Buyer-12/04/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Document Preparation Fee, Courier Fee, Settlement or Closing Fee, Wire Transfer Fee, Electronic Document Delivery Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increases of the Courier Fee, Title Policy, Reconveyance, Settlement or Wire fees and Electronic Delivery. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 |  | Resolved-PCCD provided showing fees moved from B to C. Finding resolved. - Due Diligence Vendor-12/05/2025<br>| XXXXXXXXXX_XXXXXX_COC.pdf<br> XXXXXXXXXX_XXXXXX_PCCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6431428 | N/A | N/A |
| XXXX | XXXXX | 26041222 | XXXXX | Closed | 2025-11-21 15:09 | 2025-12-01 16:39 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Received clarification GL updates effective for all pipeline loans. Finding resolved. - Due Diligence Vendor-12/01/2025 <br> Counter-Please confirm GLs used. Loan locked XX/XX/XXXX. Guideline revision date 10/10/2025, does permit use of the Note date as the baseline for the lookback period, which this loan appears to be ineligible to rely on. Guideline revision date 8/22/2025, requires the lookback be based on the application date. It appears an underwriting exception is required. Condition remains - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Our guidelines based the timeline on the Note date not the app date. Note date is XX/XX/XXXX - Buyer-11/26/2025 <br> Open-Per Guidelines, to be eligible for a cash-out refinance, the borrower must have owned the property for a minimum of 6 months prior to the application date. Per the appraisal report, property was purchased on XX/XX/XXXX. Per the title commitment, grant deed is dated XX/XX/XXXX. Either date is less than 6 months from the application date of XX/XX/XXXX. Additionally, a copy of the Settlement Statement is required for proof of purchase price and was not found in the loan file. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received clarification GL updates effective for all pipeline loans. Finding resolved. - Due Diligence Vendor-12/01/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6347656 | N/A | N/A |
| XXXX | XXXXX | 26041291 | XXXXX | Closed | 2025-12-12 00:06 | 2025-12-17 10:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. The Disclosure tracking in the file shows the borrower received/viewed the CD, please clear condition. - Buyer-12/16/2025 <br> Counter-Please provide evidence this was provided to the borrower or provide signed copy, thank you. Condition remains. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/12/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 |  | Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-12/17/2025<br>| XXXXXXXXXX_XXXXXX_initial CD.pdf<br> XXXXXXXXXX_XXXXXX_Trackig disclosure.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6596751 | N/A | N/A |
| XXXX | XXXXX | 26041239 | XXXXX | Closed | 2025-11-20 13:25 | 2025-12-10 09:11 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved-Breakdown provided. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Resolved- - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. it's lumped into the recording fee $XXX.X + $XXX.XX + $XX = $XXX - see fee breakdown sheet - Buyer-12/09/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open-Washington requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-Breakdown provided. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| XXXXXXXXX fee brkdn.pdf |  |  | XX | Primary Residence | Purchase | NA | 6330238 | N/A | N/A |
| XXXX | XXXXX | 26041239 | XXXXX | Closed | 2025-11-20 13:46 | 2025-11-20 13:46 | 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-11/20/2025 |  | 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-11/20/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6330654 | Investor Post-Close | No |
| XXXX | XXXXX | 26041237 | XXXXX | Closed | 2025-11-24 12:21 | 2026-01-12 12:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-01/12/2026 <br> Resolved-. - Due Diligence Vendor-12/18/2025 <br> Resolved- - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Counter-Please provide Initial Closing Disclosure dated XX/XX/XXXX, highlighted on the disclosure tracking doc provided. The Closing Disclosure in our file is dated XX/XX/XXXX and on its own is not in compliance. Thank you. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE as Disbursement date was XX/XX/XXXX. - Buyer-12/04/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Documentation provided - condition cleared - Due Diligence Vendor-01/12/2026 <br>Resolved-. - Due Diligence Vendor-12/18/2025<br>| XXXXXXXXXX_XXXXXX_closing disclosure.pdf<br> XXXXXXXXXX_XXXXXX_CD 10.30.25.pdf |  |  | XX | Primary Residence | Purchase | NA | 6368155 | N/A | N/A |
| XXXX | XXXXX | 26041237 | XXXXX | Closed | 2025-11-20 10:58 | 2025-12-04 15:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Final settlement statement provided. Finding resolved. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please clear condition as I have attached email from Escrow stating they do not have the borrower sign final settlement statements. - Buyer-12/04/2025 <br>Open-Provide Final, Signed/Certified Settlement Statement for sale of B2 departing property. The Settlement Statement in file is not signed/certified. - Due Diligence Vendor-11/20/2025 |  | Resolved-Final settlement statement provided. Finding resolved. - Due Diligence Vendor-12/04/2025<br>| XXXXXXXXXX_XXXXXX_Final settlement statement LOE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6323661 | N/A | N/A |
| XXXX | XXXXX | 26041237 | XXXXX | Closed | 2025-12-01 12:30 | 2025-12-01 12:30 | 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-12/01/2025 |  | 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-12/01/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6431842 | Investor Post-Close | No |
| XXXX | XXXXX | 26041243 | XXXXX | Closed | 2025-11-26 09:34 | 2025-11-26 09:34 | 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-11/26/2025 |  | 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-11/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6400218 | Originator Post-Close | No |
| XXXX | XXXXX | 26041250 | XXXXX | Closed | 2025-11-22 22:21 | 2025-12-10 09:21 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-HOA fee verification provided. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. $XXXX/XX=$XXX.XX - Buyer-12/09/2025 <br> Open-Missing evidence of $XXX.XX monthly HOA dues for property listed in section 3c on final loan application, as mentioned in the decision logic comments. - Due Diligence Vendor-11/23/2025 |  | Resolved-HOA fee verification provided. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| XXXXXX HOA info.pdf |  |  | XX | Investment | Purchase | NA | 6355177 | N/A | N/A |
| XXXX | XXXXX | 26041241 | XXXXX | Closed | 2025-11-21 08:04 | 2025-12-17 13:32 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/03/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see proof of sale of property. - Buyer-12/03/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing documentation to evidence sale of departure residence to support omission of existing debt and confirm net equity funds. - Due Diligence Vendor-11/21/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/03/2025<br>| XXXXXXXXXX_XXXXXX_SaleofProperty.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6338714 | N/A | N/A |
| XXXX | XXXXX | 26041241 | XXXXX | Closed | 2025-11-21 08:08 | 2025-12-03 12:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Final settlement statement provided. Finding resolved. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached proof of sale. - Buyer-12/03/2025 <br>Open-Missing documentation to evidence sale of departure residence to support omission of existing debt and confirm net equity funds. - Due Diligence Vendor-11/21/2025 |  | Resolved-Final settlement statement provided. Finding resolved. - Due Diligence Vendor-12/03/2025<br>| XXXXXXXXXX_XXXXXX_SaleofProperty.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6338779 | N/A | N/A |
| XXXX | XXXXX | 26041241 | XXXXX | Closed | 2025-11-26 13:13 | 2025-11-26 13:13 | 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-11/26/2025 |  | 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-11/26/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6406269 | Originator Post-Close | No |
| XXXX | XXXXX | 26041290 | XXXXX | Closed | 2025-12-11 12:15 | 2025-12-11 12:16 | 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-12/11/2025 |  | 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-12/11/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6588546 | Investor Post-Close | No |
| XXXX | XXXXX | 26041314 | XXXXX | Closed | 2025-12-26 17:49 | 2025-12-28 23:33 | 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. S&P value equals B, secondary product within tolerance. - Due Diligence Vendor-12/26/2025 |  | 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. S&P value equals B, secondary product within tolerance. - Due Diligence Vendor-12/26/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6821059 | Investor Post-Close | No |
| XXXX | XXXXX | 26041283 | XXXXX | Closed | 2025-12-10 14:03 | 2025-12-16 10:15 | Resolved | 1 - Information | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Employment authorization card provided. Finding resolved - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Hello,<br>Please see borrower citizenship docs<br>Thank you, - Buyer-12/15/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing The loan file contains only an XXXX Passport. The 1008 comments state XXXX with Code C08 expires 02/25/2030. The XXXX information was not in file. - Due Diligence Vendor-12/10/2025 |  | Resolved-Employment authorization card provided. Finding resolved - Due Diligence Vendor-12/16/2025<br>| XXXXXXXXXX_XXXXXX_Visa.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6573189 | N/A | N/A |
| XXXX | XXXXX | 26041283 | XXXXX | Closed | 2025-12-08 05:32 | 2025-12-16 10:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/15/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-12/08/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-12/16/2025<br>| XXXXXXXXXX_XXXXXX_Payoff.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6524008 | N/A | N/A |
| XXXX | XXXXX | 26041244 | XXXXX | Closed | 2025-11-21 12:20 | 2025-12-10 12:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-PCCD provided. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-see PCCD uploaded - Seller-12/10/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Title Endorsement Fee, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final Closing CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increases in Title-Endorsement, Title-Lender Title Insurance and Title-Notary Fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 | Ready for Review-see PCCD uploaded - Seller-12/10/2025<br>| Resolved-PCCD provided. Finding resolved. - Due Diligence Vendor-12/10/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6344886 | N/A | N/A |
| XXXX | XXXXX | 26041244 | XXXXX | Closed | 2025-11-21 12:20 | 2025-12-10 12:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-PCCD provided. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. see PCCD - Buyer-12/10/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Title Endorsement Fee, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final Closing CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increases in Title-Endorsement, Title-Lender Title Insurance and Title-Notary Fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 |  | Resolved-PCCD provided. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| XXXXXXX PCCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6344885 | N/A | N/A |
| XXXX | XXXXX | 26041244 | XXXXX | Closed | 2025-12-01 15:27 | 2025-12-01 15:27 | 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-12/01/2025 |  | 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-12/01/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6436150 | Investor Post-Close | No |
| XXXX | XXXXX | 26041245 | XXXXX | Closed | 2025-12-01 14:27 | 2025-12-01 14:28 | 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-12/01/2025 |  | 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-12/01/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6434702 | Investor Post-Close | No |
| XXXX | XXXXX | 26041270 | XXXXX | Closed | 2025-12-04 11:58 | 2026-01-23 08:52 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Non-warrantable condo <br> unit owners are required to pay mandatory upfront and/or periodic membership fees to a third party or are subject to <br> a recreational lease to use recreational amenities that are NOT owned by the HOA or master association but rather <br> owned by the Developer. (XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX). . Property type is ineligible due to Non-warrantable condo unit owners are required to pay mandatory upfront and/or periodic membership fees to a third party or are subject to a recreational lease to use recreational amenities that are not owned by the HOA or master association but rather owned by the Developer. (XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX). Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025 |  | Waived-Property type is ineligible due to Non-warrantable condo <br> unit owners are required to pay mandatory upfront and/or periodic membership fees to a third party or are subject to <br> a recreational lease to use recreational amenities that are NOT owned by the HOA or master association but rather <br> owned by the Developer. (golf courses, clubhouses, pools, spa, fitness center, tennis, restaurant, and lakes). . Property type is ineligible due to Non-warrantable condo unit owners are required to pay mandatory upfront and/or periodic membership fees to a third party or are subject to a recreational lease to use recreational amenities that are not owned by the HOA or master association but rather owned by the Developer. (golf courses, clubhouses, pools, spa, fitness center, tennis, restaurant, and lakes). Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025<br>|  |  | GL LTV 75% vs 49.10% <br> GL FICO 660 vs XXX<br> GL DTI 50% vs 42.27% | XX | Second Home | Purchase | NA | 6487923 | Originator Pre-Close | Yes |
| XXXX | XXXXX | 26041270 | XXXXX | Closed | 2025-12-04 12:50 | 2025-12-08 15:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/08/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing 3rd party Verification of all 3 businesses. - Due Diligence Vendor-12/04/2025 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/08/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6489536 | N/A | N/A |
| XXXX | XXXXX | 26041270 | XXXXX | Closed | 2025-12-03 03:52 | 2025-12-08 15:39 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party Verification of all 3 businesses. - Due Diligence Vendor-12/03/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/08/2025<br>| XXXXXXXXXX_XXXXXX_businesses.pdf |  |  | XX | Second Home | Purchase | NA | 6459921 | N/A | N/A |
| XXXX | XXXXX | 26041270 | XXXXX | Closed | 2025-12-03 05:40 | 2025-12-04 12:40 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/03/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/03/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6460512 | Investor Post-Close | No |
| XXXX | XXXXX | 26041270 | XXXXX | Closed | 2025-12-04 12:26 | 2025-12-04 12:26 | 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-12/04/2025 |  | 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-12/04/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6488687 | Investor Post-Close | No |
| XXXX | XXXXX | 26041268 | XXXXX | Closed | 2025-12-01 02:42 | 2025-12-04 16:48 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-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 prior to the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |  | Acknowledged-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 prior to the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6424437 | Investor Post-Close | No |
| XXXX | XXXXX | 26041311 | XXXXX | Closed | 2025-12-24 07:20 | 2026-01-12 13:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. please see attached B1 ID - Buyer-01/10/2026 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-12/24/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/12/2026<br>| XXXXXXXXXX_XXXXXX_IDB1.pdf |  |  | XX | Second Home | Purchase | NA | 6786271 | N/A | N/A |
| XXXX | XXXXX | 26041311 | XXXXX | Closed | 2025-12-24 07:20 | 2026-01-12 13:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached B2 ID - Buyer-01/10/2026 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-12/24/2025 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/12/2026<br>| XXXXXXXXXX_XXXXXX_IDB2.pdf |  |  | XX | Second Home | Purchase | NA | 6786272 | N/A | N/A |
| XXXX | XXXXX | 26041311 | XXXXX | Closed | 2025-12-24 23:27 | 2025-12-24 23:27 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/25/2025 |  | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/25/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6802403 | Investor Post-Close | No |
| XXXX | XXXXX | 26041281 | XXXXX | Closed | 2025-12-08 06:57 | 2025-12-09 12:31 | 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-12/08/2025 |  | 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-12/08/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6524905 | Investor Post-Close | No |
| XXXX | XXXXX | 26041256 | XXXXX | Closed | 2025-12-07 04:09 | 2025-12-11 08:49 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The Hazard Effective Date XX/XX/XXXX is prior to the Disbursement date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/07/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The Hazard Effective Date XX/XX/XXXX is prior to the Disbursement date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/07/2025 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6519681 | Investor Post-Close | No |
| XXXX | XXXXX | 26041320 | XXXXX | Closed | 2026-02-04 08:28 | 2026-02-04 08:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7436612 | Investor Post-Close | No |
| XXXX | XXXXX | 26041289 | XXXXX | Closed | 2025-12-09 02:30 | 2025-12-19 12:23 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Yes, these a going out today - Seller-12/18/2025 <br> Counter-Was this disclosure also mailed to the Borrower? Why is the viewed date in the future, XX/XX/XXXX? Thank you. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Attached PCCD and tracking disclosure. - Seller-12/18/2025 <br> Counter-Per original finding, loan disbursement date was XX/XX/XXXX which was the same day as the RTC cancel date. Documents provided reflect the same. The loan should not have funded until XX/XX/XXXX (day after XXXXXXXXXXXX). Condition remains. Please provide the PCCD showing the disbursement date of XX/XX/XXXX per Ledger provided. - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Attached PCCD and tracking disclosures. - Seller-12/16/2025 <br> Counter-Please provide PCCD and evidence it was sent to the borrower. Condition remains. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Attached escrow ledger, RTC. - Seller-12/12/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open-The loan disbursement date (XX/XX/XXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Yes, these a going out today - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. Attached PCCD and tracking disclosure. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. Attached PCCD and tracking disclosures. - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. Attached escrow ledger, RTC. - Seller-12/12/2025<br>| Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-12/19/2025<br>| XXXXXXXXXX_XXXXXX_Ledger.pdf<br> XXXXXXXXXX_XXXXXX_PCCD_trackingDisclosures.pdf<br> XXXXXXXXXX_XXXXXX_PCCD.pdf<br> XXXXXXXXXX_XXXXXX_PCCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6542504 | N/A | N/A |
| XXXX | XXXXX | 26041287 | XXXXX | Closed | 2025-12-10 11:17 | 2025-12-10 15:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing letter of explanation | Resolved-LOX provided for use of funds towards home improvements. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/10/2025 <br> Open-Guidelines require a written attestation from the borrower regarding the purpose of the cash out funds. No written letter from borrower in file for the $XXX,XXX.XX cash received at closing. - Due Diligence Vendor-12/10/2025 |  | Resolved-LOX provided for use of funds towards home improvements. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| XXXXXXXXXX_XXXXXX_LOE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6569526 | N/A | N/A |
| XXXX | XXXXX | 26041288 | XXXXX | Closed | 2025-12-17 09:43 | 2025-12-19 13:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Resolved - Due Diligence Vendor-12/19/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Wire Transfer Fee, Document Assembly Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. See attached LOE and escalate. - Seller-12/19/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Wire Transfer<br> Fee, Document Assembly Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed<br> circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)) - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. See attached LOE and escalate. - Seller-12/19/2025<br>| Resolved-Resolved - Due Diligence Vendor-12/19/2025<br>| XXXXXXXXXX_XXXXXX XXXX NQM .pdf<br> XXXXXXXXXX_XXXXXX XXXX NQM .pdf |  |  | XX | Primary Residence | Purchase | NA | 6661887 | N/A | N/A |
| XXXX | XXXXX | 26041288 | XXXXX | Closed | 2025-12-17 09:43 | 2025-12-19 13:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-12/19/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Wire Transfer Fee, Document Assembly Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. See attached LOE and escalate. - Seller-12/19/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have<br> been added to the last Closing Disclosure and placed within the Cannot Increase Category: Wire Transfer Fee, Document Assembly Fee. Each fee within the Cannot Increase<br> category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the<br> creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. See attached LOE and escalate. - Seller-12/19/2025<br>| Resolved-Resolved - Due Diligence Vendor-12/19/2025<br>| XXXXXXXXXX_XXXXXX XXXX NQM .pdf<br> XXXXXXXXXX_XXXXXX XXXX NQM .pdf |  |  | XX | Primary Residence | Purchase | NA | 6661888 | N/A | N/A |
| XXXX | XXXXX | 26041288 | XXXXX | Closed | 2025-12-10 09:48 | 2025-12-17 09:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-PCCD provided. Fees moved from B to C due to chosen provider. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Title Endorsement Fee, Settlement or Closing Fee, Notary Fee, Document Assembly Fee, Courier Fee, Electronic Document Delivery Fee, Loan Tie-in Fee, Recording Service Fee, Wire Transfer Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase/addition of the Recording-Deed of Trust, Endorsement, Settlement, Notary, Doc Assembly, Courier, Electronic Doc Delivery, Loan Tie In, Recording Service, Wire Transfer fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-PCCD provided. Fees moved from B to C due to chosen provider. Finding resolved. - Due Diligence Vendor-12/17/2025<br>| XXXXXXXXXX_XXXXXX_PCCD.pdf |  |  | XX | Primary Residence | Purchase | NA | 6566325 | N/A | N/A |
| XXXX | XXXXX | 26041288 | XXXXX | Closed | 2025-12-10 09:48 | 2025-12-17 09:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-PCCD provided. Fees moved from B to C due to chosen provider. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Title Endorsement Fee, Settlement or Closing Fee, Notary Fee, Document Assembly Fee, Courier Fee, Electronic Document Delivery Fee, Loan Tie-in Fee, Recording Service Fee, Wire Transfer Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase/addition of the Recording-Deed of Trust, Endorsement, Settlement, Notary, Doc Assembly, Courier, Electronic Doc Delivery, Loan Tie In, Recording Service, Wire Transfer fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-PCCD provided. Fees moved from B to C due to chosen provider. Finding resolved. - Due Diligence Vendor-12/17/2025<br>| XXXXXXXXXX_XXXXXX_COC.pdf |  |  | XX | Primary Residence | Purchase | NA | 6566324 | N/A | N/A |
| XXXX | XXXXX | 26041288 | XXXXX | Closed | 2025-12-10 10:19 | 2025-12-10 10:19 | 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-12/10/2025 |  | 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-12/10/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6567267 | Investor Post-Close | No |
| XXXX | XXXXX | 26041288 | XXXXX | Closed | 2025-12-08 04:14 | 2025-12-10 10:18 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXX is as same as the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-12/08/2025 |  | Acknowledged-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 as same as the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-12/08/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6523337 | Investor Post-Close | No |
| XXXX | XXXXX | 26041267 | XXXXX | Closed | 2025-12-04 13:37 | 2025-12-18 11:08 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-An underwriting exception was granted after origination allowing an 80% LTV for Rural Property. All compensating factors have been reviewed and validated. This finding will be downgraded to B for all<br> agencies. - Due Diligence Vendor-12/18/2025 <br>Counter-Confirmed with VP Investor Delivery, max LTV is 70% per GL Matrix, Second Home Rural properties. Condition remains. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-disagree- The guideline falls under Asset Depletion and this is not an asset depletion loan.<br> Asset Depletion Program Footnotes 1 Property Types (See Property Types section for more information) 2 Program Eligibility 2-4 Units: Max 80% LTV/CLTV/HCLTV Non-Warrantable Condo: Max 80% LTV/CLTV/HCLTV Condotels: not permitted Co-op: not permitted Rural Property: Max 80% LTV/CLTV/HCLTV Declining Markets: Reduce Max LTV by 5%<br> - Buyer-12/09/2025 <br>Counter-Guideline document provided was in effect after the loan closed. In addition, the subject is full doc and guideline highlighted falls under Asset Depletion documentation foot notes. Condition remains. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Disagree - Attached matrix shows max LTV is 80% on a rural / second home property - Seller-12/08/2025 <br>Open-Audited HLTV of 79.3% exceeds Guideline HCLTV of 70% Guideline Matrix, Rural Property Section, allows a maximum HCLTV 70% for Rural Property, Second Homes. The subject HCLTV was 79.30%. No exception in file. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Disagree - Attached matrix shows max LTV is 80% on a rural / second home property - Seller-12/08/2025<br>| Waived-An underwriting exception was granted after origination allowing an 80% LTV for Rural Property. All compensating factors have been reviewed and validated. This finding will be downgraded to B for all<br> agencies. - Due Diligence Vendor-12/18/2025<br>| LDRJV_Advantage_FLEX.pdf |  | Excellent Credit, in file since XXXX, 42 trades reporting, 14 trades open, revolving accounts appear to be settled monthly, all trades paid as agreed.\|<br> Post close liquidity, 42 months | XX | Second Home | Purchase | NA | 6490819 | Originator Post-Close | N/A |
| XXXX | XXXXX | 26041267 | XXXXX | Closed | 2025-12-04 13:37 | 2025-12-18 11:07 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-An underwriting exception was granted after origination allowing an 80% LTV for Rural Property. All compensating factors have been reviewed and validated. This finding will be downgraded to B for all<br> agencies. - Due Diligence Vendor-12/18/2025 <br>Counter-Confirmed with VP Investor Delivery, max LTV is 70% per GL Matrix, Second Home Rural properties. Condition remains. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-disagree- The guideline falls under Asset Depletion and this is not an asset depletion loan.<br> Asset Depletion Program Footnotes 1 Property Types (See Property Types section for more information) 2 Program Eligibility 2-4 Units: Max 80% LTV/CLTV/HCLTV Non-Warrantable Condo: Max 80% LTV/CLTV/HCLTV Condotels: not permitted Co-op: not permitted Rural Property: Max 80% LTV/CLTV/HCLTV Declining Markets: Reduce Max LTV by 5%<br> - Seller-12/09/2025 <br>Counter-Guideline document provided was in effect after the loan closed. In addition, the subject is full doc and guideline highlighted falls under Asset Depletion documentation foot notes. Condition remains. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Disagree - Attached matrix shows max LTV is 80% on a rural / second home property. - Seller-12/08/2025 <br>Open-Audited LTV of 79.3% exceeds Guideline LTV of 70% Guideline Matrix, Rural Property Section, allows a maximum LTV 70% for Rural Property, Second Homes. The subject LTV was 79.30%. No exception in file. - Due Diligence Vendor-12/04/2025 | Ready for Review-disagree- The guideline falls under Asset Depletion and this is not an asset depletion loan.<br> Asset Depletion Program Footnotes 1 Property Types (See Property Types section for more information) 2 Program Eligibility 2-4 Units: Max 80% LTV/CLTV/HCLTV Non-Warrantable Condo: Max 80% LTV/CLTV/HCLTV Condotels: not permitted Co-op: not permitted Rural Property: Max 80% LTV/CLTV/HCLTV Declining Markets: Reduce Max LTV by 5%<br> - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. Disagree - Attached matrix shows max LTV is 80% on a rural / second home property. - Seller-12/08/2025<br>| Waived-An underwriting exception was granted after origination allowing an 80% LTV for Rural Property. All compensating factors have been reviewed and validated. This finding will be downgraded to B for all<br> agencies. - Due Diligence Vendor-12/18/2025<br>| LDRJV_Advantage_FLEX.pdf |  | Excellent Credit, in file since XXXX, 42 trades reporting, 14 trades open, revolving accounts appear to be settled monthly, all trades paid as agreed.\|<br> Post close liquidity, 42 months | XX | Second Home | Purchase | NA | 6490820 | Originator Post-Close | No |
| XXXX | XXXXX | 26041267 | XXXXX | Closed | 2025-12-04 13:37 | 2025-12-18 11:07 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-An underwriting exception was granted after origination allowing an 80% LTV for Rural Property. All compensating factors have been reviewed and validated. This finding will be downgraded to B for all agencies. - Due Diligence Vendor-12/18/2025 <br>Resolved-Audited CLTV of 79.3% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Exception - Buyer-12/18/2025 <br>Counter-Confirmed with VP Investor Delivery, max LTV is 70% per GL Matrix, Second Home Rural properties. Condition remains. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-disagree- The guideline falls under Asset Depletion and this is not an asset depletion loan.<br> Asset Depletion Program Footnotes 1 Property Types (See Property Types section for more information) 2 Program Eligibility 2-4 Units: Max 80% LTV/CLTV/HCLTV Non-Warrantable Condo: Max 80% LTV/CLTV/HCLTV Condotels: not permitted Co-op: not permitted Rural Property: Max 80% LTV/CLTV/HCLTV Declining Markets: Reduce Max LTV by 5%<br> - Seller-12/09/2025 <br>Counter-Guideline document provided was in effect after the loan closed. In addition, the subject is full doc and guideline highlighted falls under Asset Depletion documentation foot notes. Condition remains. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached matrix shows max LTV on rural / second home property is 80% - Seller-12/08/2025 <br>Open-Audited CLTV of 79.3% exceeds Guideline CLTV of 70% Guideline Matrix, Rural Property Section, allows a maximum CLTV 70% for Rural Property, Second Homes. The subject CLTV was 79.30%. No exception in file. - Due Diligence Vendor-12/04/2025 | Ready for Review-disagree- The guideline falls under Asset Depletion and this is not an asset depletion loan.<br> Asset Depletion Program Footnotes 1 Property Types (See Property Types section for more information) 2 Program Eligibility 2-4 Units: Max 80% LTV/CLTV/HCLTV Non-Warrantable Condo: Max 80% LTV/CLTV/HCLTV Condotels: not permitted Co-op: not permitted Rural Property: Max 80% LTV/CLTV/HCLTV Declining Markets: Reduce Max LTV by 5%<br> - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached matrix shows max LTV on rural / second home property is 80% - Seller-12/08/2025<br>| Waived-An underwriting exception was granted after origination allowing an 80% LTV for Rural Property. All compensating factors have been reviewed and validated. This finding will be downgraded to B for all agencies. - Due Diligence Vendor-12/18/2025 <br>Resolved-Audited CLTV of 79.3% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-12/18/2025<br>| LDRJV_Advantage_FLEX.pdf<br> XXXXXXXXXX_XXXXXX.pdf |  | Excellent Credit, in file since XXXX, 42 trades reporting, 14 trades open, revolving accounts appear to be settled monthly, all trades paid as agreed.<br> Post close liquidity, 42 months | XX | Second Home | Purchase | NA | 6490818 | Originator Post-Close | No |
| XXXX | XXXXX | 26041307 | XXXXX | Closed | 2025-12-22 10:17 | 2026-01-21 15:31 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Disclosure provided within 3 days or switching from Fixed to ARM. Issue resolved. - Due Diligence Vendor-01/21/2026 <br> Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Hello,<br>When the loan changed from FRM to ARM, they redisclosed and all redisclosures are under Full Redisclosures<br>Thank you, - Seller-01/20/2026 <br> Counter-ARM Disclosure Not Provided Within 3 Days of Application Date Lender provided esign which shows Loan Consent on XX/XX/XXXX and ARM/CHARM received XX/XX/XXXX, finding maintained. - Due Diligence Vendor-01/16/2026 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Hello,<br>When the loan changed from FRM to ARM, they redisclosed and all redisclosures are under Full Redisclosures<br>Thank you, - Seller-01/20/2026<br>| Resolved-Disclosure provided within 3 days or switching from Fixed to ARM. Issue resolved. - Due Diligence Vendor-01/21/2026 <br>Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/21/2026<br>| XXXXXXXXXX_XXXXXX_Disclosures.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6735569 | N/A | N/A |
| XXXX | XXXXX | 26041307 | XXXXX | Closed | 2025-12-22 10:16 | 2026-01-21 15:31 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Disclosure provided within 3 days or switching from Fixed to ARM. Issue resolved. - Due Diligence Vendor-01/21/2026 <br> Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Hello,<br>When the loan changed from FRM to ARM, they redisclosed and all redisclosures are under Full Redisclosures <br>Thank you, - Seller-01/20/2026 <br> Counter-CHARM Booklet Not Provided Within 3 Days of Application Date Lender provided esign which shows Loan Consent on XX/XX/XXXX and ARM/CHARM received XX/XX/XXXX, finding maintained. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see pg. 18 Charm booklet was delivered 11.13.2025<br>Thank you, - Seller-01/15/2026 <br> Open-CHARM Booklet Not Provided Within 3 Days of Application Date. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Hello,<br>When the loan changed from FRM to ARM, they redisclosed and all redisclosures are under Full Redisclosures <br>Thank you, - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. Please see pg. 18 Charm booklet was delivered XX/XX/XXXX<br> Thank you, - Seller-01/15/2026 | Resolved-Disclosure provided within 3 days or switching from Fixed to ARM. Issue resolved. - Due Diligence Vendor-01/21/2026 <br>Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/21/2026<br>| XXXXXXXXXX_XXXXXX_Disclosures.pdf<br> XXXXXXXXXX_XXXXXX_Disclosures.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6735547 | N/A | N/A |
| XXXX | XXXXX | 26041307 | XXXXX | Closed | 2025-12-22 07:20 | 2026-01-16 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - ARM Rider | Resolved-Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Hello,<br>Please see attached DOT with Rider<br>Thank you, - Seller-01/15/2026 <br>Open-Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Hello,<br>Please see attached DOT with Rider<br>Thank you, - Seller-01/15/2026<br>| Resolved-Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - Due Diligence Vendor-01/16/2026<br>| XXXXXXXXXX_XXXXXX_DOT.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6731466 | N/A | N/A |
| XXXX | XXXXX | 26041307 | XXXXX | Closed | 2025-12-22 07:20 | 2026-01-16 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Hello,<br>Please see attached DOT with attachments<br>Thank you, - Seller-01/15/2026 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Hello,<br>Please see attached DOT with attachments<br>Thank you, - Seller-01/15/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/16/2026<br>| XXXXXXXXXX_XXXXXX_DOT.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6731467 | N/A | N/A |
| XXXX | XXXXX | 26041307 | XXXXX | Closed | 2025-12-22 09:35 | 2025-12-28 01:14 | 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. Secondary valuations page no. 341. - Due Diligence Vendor-12/22/2025 |  | 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. Secondary valuations page no. 341. - Due Diligence Vendor-12/22/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6734319 | Investor Post-Close | No |
| XXXX | XXXXX | 26041303 | XXXXX | Closed | 2025-12-17 07:48 | 2025-12-18 14:05 | Acknowledged | 2 - Non-Material | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The HO-6 effective date of XX/XX/XXXX is the same as the disbursement date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/17/2025 |  | Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The HO-6 effective date of XX/XX/XXXX is the same as the disbursement date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/17/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6659569 | Investor Post-Close | No |
| XXXX | XXXXX | 26041317 | XXXXX | Closed | 2025-12-30 14:28 | 2026-01-15 17:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Gift Documentation | Resolved-Lender provided updated 1008, 1003 and gift letter with corrected contribution amount, finding resolved. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/15/2026 <br> Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor's name, address, telephone number and the relationship to the borrower and (3) the donor's statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Evidence of receipt of gift funds in the amount of $XXX,XXX.XX.<br> - Due Diligence Vendor-12/30/2025 |  | Resolved-Lender provided updated 1008, 1003 and gift letter with corrected contribution amount, finding resolved. - Due Diligence Vendor-01/15/2026<br>| XXXXXXXXXX_XXXXXX_GIFT docs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6860039 | N/A | N/A |
| XXXX | XXXXX | 26041271 | XXXXX | Closed | 2025-12-04 23:46 | 2025-12-05 16:36 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Lender provided PUD rider. Condition cleared. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-12/05/2025 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/05/2025 |  | Resolved-Lender provided PUD rider. Condition cleared. - Due Diligence Vendor-12/05/2025<br>| XXXXXXXXXX_XXXXXX_DOT.pdf |  |  | XX | Primary Residence | Purchase | NA | 6496927 | N/A | N/A |
| XXXX | XXXXX | 26041271 | XXXXX | Closed | 2025-12-04 05:58 | 2025-12-05 16:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-Lender provided mortgage. Condition cleared. - Due Diligence Vendor-12/05/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025<br>| Resolved-Lender provided mortgage. Condition cleared. - Due Diligence Vendor-12/05/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/05/2025<br>| XXXXXXXXXX_XXXXXX_DOT.pdf |  |  | XX | Primary Residence | Purchase | NA | 6480169 | N/A | N/A |
| XXXX | XXXXX | 26041271 | XXXXX | Closed | 2025-12-04 23:38 | 2025-12-05 16:35 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/05/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-12/05/2025 <br>Open-TRID: Missing Final Closing Disclosure The Final Closing Disclosure is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-12/05/2025 |  | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/05/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/05/2025<br>| XXXXXXXXXX_XXXXXX_CDs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6496879 | N/A | N/A |
| XXXX | XXXXX | 26041318 | XXXXX | Closed | 2025-12-30 23:57 | 2025-12-30 23:57 | 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-12/31/2025 |  | 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-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6865530 | Investor Post-Close | No |
| XXXX | XXXXX | 26041300 | XXXXX | Closed | 2025-12-17 03:29 | 2025-12-18 07:49 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-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 same as disbursement date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/17/2025 |  | Acknowledged-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 same as disbursement date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/17/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6657259 | Investor Post-Close | No |
| XXXX | XXXXX | 26041300 | XXXXX | Closed | 2025-12-18 07:48 | 2025-12-18 07:48 | 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-12/18/2025 |  | 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-12/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6681064 | Investor Post-Close | No |
| XXXX | XXXXX | 26041302 | XXXXX | Closed | 2025-12-19 09:40 | 2025-12-19 09:42 | 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-12/19/2025 |  | 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-12/19/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6704760 | Investor Post-Close | No |
| XXXX | XXXXX | 26041266 | XXXXX | Closed | 2025-12-05 11:59 | 2025-12-09 13:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/09/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender used a balance of $XXX,XXX.XX for account ending #XXXX stating on the Decision Logic there was a printout through XX/XX. The loan file did not contain a printout with a balance through XX/XX/XXXX for #XXXX with the higher balance. The XX/XX/XXXX statement in file reflects a balance of only $XX,XXX.XX which caused a reserve shortage. - Due Diligence Vendor-12/05/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/09/2025<br>| XXXXXXXXXX_XXXXXX_Assets.pdf |  |  | XX | Primary Residence | Purchase | NA | 6506978 | N/A | N/A |
| XXXX | XXXXX | 26041266 | XXXXX | Closed | 2025-12-05 12:01 | 2025-12-09 13:33 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.63 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Lender used a balance of $XXX,XXX.XX for account ending #XXXX stating on the Decision Logic there was a printout through XX/XX/XXXX. The loan file did not contain a printout with a balance through XX/XX/XXXX for #XXXX with the higher balance. The XX/XX/XXXX statement in file reflects a balance of only $XX,XXX.XX which caused a reserve shortage. Provide printout. Additional conditions may apply. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Audited Reserves of 3.63 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/09/2025<br>| XXXXXXXXXX_XXXXXX_Assets.pdf |  |  | XX | Primary Residence | Purchase | NA | 6507018 | N/A | N/A |
| XXXX | XXXXX | 26041266 | XXXXX | Closed | 2025-12-05 11:08 | 2025-12-09 13:33 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $18453 - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/09/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $18453 Lender used a balance of $XXX,XXX.XX for account ending #XXXX stating on the Decision Logic there was a printout through XX/XX/XXXX. The loan file did not contain a printout with a balance through XX/XX/XXXX for #XXXX with the higher balance. The XX/XX/XXXX statement in file reflects a balance of only $XX,XXX.XX which caused a reserve shortage. Provide printout. Additional conditions may apply. - Due Diligence Vendor-12/05/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $18453 - Due Diligence Vendor-12/09/2025 | XXXXXXXXXX_XXXXXX_Assets.pdf |  |  | XX | Primary Residence | Purchase | NA | 6505899 | N/A | N/A |
| XXXX | XXXXX | 26041266 | XXXXX | Closed | 2025-12-05 11:08 | 2025-12-09 13:33 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/09/2025 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Lender used a balance of $XXX,XXX.XX for account ending #XXXX stating on the Decision Logic there was a printout through XX/XX/XXXX. The loan file did not contain a printout with a balance through XX/XX/XXXX for #XXXX with the higher balance. The XX/XX/XXXX statement in file reflects a balance of only $XX,XXX.XX which caused a reserve shortage. Provide printout. - Due Diligence Vendor-12/05/2025 |  | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-12/09/2025<br>| XXXXXXXXXX_XXXXXX_Assets.pdf |  |  | XX | Primary Residence | Purchase | NA | 6505900 | N/A | N/A |
| XXXX | XXXXX | 26041261 | XXXXX | Closed | 2025-11-26 09:35 | 2025-12-04 16:26 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided evidence the ICD was viewed on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/04/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please clear condition as the Disclosure tracking shows sent and received by borrower on XX/XX/XXXX and final closing disclosure shows disbursed on 11/12/25. - Buyer-12/04/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 |  | Resolved-Lender provided evidence the ICD was viewed on XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/04/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/04/2025 | XXXXXXXXXX_XXXXXX_Disclosure tracking.pdf |  |  | XX | Primary Residence | Purchase | NA | 6400235 | N/A | N/A |

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|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXX | 26041203 | XXXXX | $XXXXXXX A C |
| XXXXX | 26041212 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041217 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041240 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041249 | XXXXX | $XXXXXXX C A |
| XXXXX | 26041225 | XXXXX | $XXXXXXX A |
| XXXXX | 26041229 | XXXXX | $XXXXXXX A |
| XXXXX | 26041246 | XXXXX | $XXXXXXX A C |
| XXXXX | 26041259 | XXXXX | $XXXXXXX A |
| XXXXX | 26041248 | XXXXX | $XXXXXXX A |
| XXXXX | 26041252 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041277 | XXXXX | $XXXXXXX A |
| XXXXX | 26041279 | XXXXX | $XXXXXXX A |
| XXXXX | 26041292 | XXXXX | $XXXXXXX A |
| XXXXX | 26041284 | XXXXX | $XXXXXXX A |
| XXXXX | 26041322 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041295 | XXXXX | $XXXXXXX A |
| XXXXX | 26041310 | XXXXX | $XXXXXXX A |
| XXXXX | 26041319 | XXXXX | $XXXXXXX A C B |
| XXXXX | 26041313 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041282 | XXXXX | $XXXXXXX D A B |
| XXXXX | 26041215 | XXXXX | $XXXXXXX A D |
| XXXXX | 26041265 | XXXXX | $XXXXXXX D C A B |
| XXXXX | 26041204 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041262 | XXXXX | $XXXXXXX A |
| XXXXX | 26041205 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041206 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041207 | XXXXX | $XXXXXXX D A B |
| XXXXX | 26041209 | XXXXX | $XXXXXXX A |
| XXXXX | 26041254 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041200 | XXXXX | $XXXXXXX A |
| XXXXX | 26041255 | XXXXX | $XXXXXXX A C B |
| XXXXX | 26041202 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041201 | XXXXX | $XXXXXXX D C A |
| XXXXX | 26041208 | XXXXX | $XXXXXXX A |
| XXXXX | 26041275 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041223 | XXXXX | $XXXXXXX A |
| XXXXX | 26041247 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041211 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041210 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041216 | XXXXX | $XXXXXXX A |
| XXXXX | 26041214 | XXXXX | $XXXXXXX A |
| XXXXX | 26041242 | XXXXX | $XXXXXXX C A |
| XXXXX | 26041235 | XXXXX | $XXXXXXX A |
| XXXXX | 26041219 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041213 | XXXXX | $XXXXXXX A |
| XXXXX | 26041298 | XXXXX | $XXXXXXX A |
| XXXXX | 26041227 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041263 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041294 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041257 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041231 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041260 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041218 | XXXXX | $XXXXXXX A |
| XXXXX | 26041226 | XXXXX | $XXXXXXX C A |
| XXXXX | 26041278 | XXXXX | $XXXXXXX A |
| XXXXX | 26041258 | XXXXX | $XXXXXXX D C A |
| XXXXX | 26041285 | XXXXX | $XXXXXXX A |
| XXXXX | 26041233 | XXXXX | $XXXXXXX A |
| XXXXX | 26041251 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041253 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041220 | XXXXX | $XXXXXXX A |
| XXXXX | 26041224 | XXXXX | $XXXXXXX A |
| XXXXX | 26041230 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041221 | XXXXX | $XXXXXXX C A |
| XXXXX | 26041232 | XXXXX | $XXXXXXX A |
| XXXXX | 26041264 | XXXXX | $XXXXXXX A C B |
| XXXXX | 26041222 | XXXXX | $XXXXXXX C A |
| XXXXX | 26041291 | XXXXX | $XXXXXXX A C |
| XXXXX | 26041312 | XXXXX | $XXXXXXX A |
| XXXXX | 26041308 | XXXXX | $XXXXXXX A |
| XXXXX | 26041239 | XXXXX | $XXXXXXX A C B |
| XXXXX | 26041237 | XXXXX | $XXXXXXX D C A B |
| XXXXX | 26041297 | XXXXX | $XXXXXXX A |
| XXXXX | 26041236 | XXXXX | $XXXXXXX A |
| XXXXX | 26041243 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041305 | XXXXX | $XXXXXXX A |
| XXXXX | 26041238 | XXXXX | $XXXXXXX A |
| XXXXX | 26041250 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041234 | XXXXX | $XXXXXXX A |
| XXXXX | 26041241 | XXXXX | $XXXXXXX D C A B |
| XXXXX | 26041228 | XXXXX | $XXXXXXX A |
| XXXXX | 26041290 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041269 | XXXXX | $XXXXXXX A |
| XXXXX | 26041314 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041273 | XXXXX | $XXXXXXX A |
| XXXXX | 26041283 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041244 | XXXXX | $XXXXXXX A C B |
| XXXXX | 26041245 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041321 | XXXXX | $XXXXXXX A |
| XXXXX | 26041286 | XXXXX | $XXXXXXX A |
| XXXXX | 26041309 | XXXXX | $XXXXXXX A |
| XXXXX | 26041296 | XXXXX | $XXXXXXX A |
| XXXXX | 26041306 | XXXXX | $XXXXXXX A |
| XXXXX | 26041299 | XXXXX | $XXXXXXX A |
| XXXXX | 26041272 | XXXXX | $XXXXXXX A |
| XXXXX | 26041315 | XXXXX | $XXXXXXX A |
| XXXXX | 26041270 | XXXXX | $XXXXXXX D C A B |
| XXXXX | 26041316 | XXXXX | $XXXXXXX A |
| XXXXX | 26041268 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041274 | XXXXX | $XXXXXXX A |
| XXXXX | 26041311 | XXXXX | $XXXXXXX D B A |
| XXXXX | 26041281 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041301 | XXXXX | $XXXXXXX A |
| XXXXX | 26041256 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041304 | XXXXX | $XXXXXXX A |
| XXXXX | 26041320 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041289 | XXXXX | $XXXXXXX A C |
| XXXXX | 26041287 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041288 | XXXXX | $XXXXXXX B C A |
| XXXXX | 26041267 | XXXXX | $XXXXXXX C A B |
| XXXXX | 26041307 | XXXXX | $XXXXXXX D C A B |
| XXXXX | 26041303 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041280 | XXXXX | $XXXXXXX A |
| XXXXX | 26041317 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041271 | XXXXX | $XXXXXXX D A |
| XXXXX | 26041318 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041300 | XXXXX | $XXXXXXX B A |
| XXXXX | 26041302 | XXXXX | $XXXXXXX A B |
| XXXXX | 26041276 | XXXXX | $XXXXXXX A |
| XXXXX | 26041293 | XXXXX | $XXXXXXX A |
| XXXXX | 26041266 | XXXXX | $XXXXXXX C A |
| XXXXX | 26041261 | XXXXX | $XXXXXXX A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT 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?** |
| XXXXX | 26041203 | XXXX | 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 | 7.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041212 | XXXX | 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 | 6.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041217 | XXXX | 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 | 7.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed |  | No |  | No |  |
| XXXXX | 26041240 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXXX | 26041249 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Retired |  | No |  | Yes | Present |
| XXXXX | 26041225 | XXXX | 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 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041229 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 6.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041246 | XXXX | 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 | 6.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |
| XXXXX | 26041259 | XXXX | 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 | 6.88 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041248 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 6.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |
| XXXXX | 26041252 | XXXX | 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 | 7.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041277 | XXXX | 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 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041279 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 7.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041292 | XXXX | 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 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed |  | No |  | No |  |
| XXXXX | 26041284 | XXXX | 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 | 7.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041322 | XXXX | 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 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041295 | XXXX | 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 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXXX | 26041310 | XXXX | 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 | 7.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041319 | XXXX | 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 | 6.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041313 | XXXX | 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 | 6.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No |  |
| XXXXX | 26041282 | XXXX | 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 | 6.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041215 | XXXX | 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 | 6.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041265 | XXXX | 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 | 6.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041204 | XXXX | 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 | 8.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041262 | XXXX | 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 | 7.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041205 | XXXX | 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 | 8.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041206 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041207 | XXXX | 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 | 9.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041209 | XXXX | 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 | 7.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed |  | No |  | No |  |
| XXXXX | 26041254 | XXXX | 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 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041200 | XXXX | 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 | 6.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041255 | XXXX | 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 | 7.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041202 | XXXX | 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 | 7.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Retired |  | No |  | No |  |
| XXXXX | 26041201 | XXXX | 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 | 6.587 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Not Employed | Not Employed | No | No | No |  |
| XXXXX | 26041208 | XXXX | 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 | 6.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 26041275 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 7.345 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041223 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 7.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041247 | XXXX | 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 | 7.113 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Retired | Not Employed | No | No | No |  |
| XXXXX | 26041211 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 7.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed | Retired | No | No | No |  |
| XXXXX | 26041210 | XXXX | 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 | 6.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041216 | XXXX | 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 | 6.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 26041214 | XXXX | 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 | 6.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041242 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 6.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041235 | XXXX | 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 | 9.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041219 | XXXX | 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 | 7.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041213 | XXXX | 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 | 7.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041298 | XXXX | 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 | 6.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed |  | No |  | No |  |
| XXXXX | 26041227 | XXXX | 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 | 7.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041263 | XXXX | 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 | 7.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041294 | XXXX | 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 | 6.636 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041257 | XXXX | 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 | 6.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 26041231 | XXXX | 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 | 7.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041260 | XXXX | 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 | 6.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041218 | XXXX | 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 | 7.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041226 | XXXX | 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 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041278 | XXXX | 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 | 7.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041258 | XXXX | 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 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041285 | XXXX | 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 | 6.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041233 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Not Employed |  | No |  | Yes | Present |
| XXXXX | 26041251 | XXXX | 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 | 6.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041253 | XXXX | 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 | 7.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041220 | XXXX | 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 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXXX | 26041224 | XXXX | 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 | 8.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041230 | XXXX | 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 | 6.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041221 | XXXX | 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 | 6.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041232 | XXXX | 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 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041264 | XXXX | 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 | 6.865 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041222 | XXXX | 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 | 7.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041291 | XXXX | 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 | 6.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041312 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 7.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041308 | XXXX | 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 | 7.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041239 | XXXX | 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 | 6.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Not Employed | Not Employed | No | No | No |  |
| XXXXX | 26041237 | XXXX | 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 | 6.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 26041297 | XXXX | 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 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041236 | XXXX | 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 | 6.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Employed | No | No | No |  |
| XXXXX | 26041243 | XXXX | 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 | 6.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Retired | Retired | No | No | No |  |
| XXXXX | 26041305 | XXXX | 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 | 6.616 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No |  |
| XXXXX | 26041238 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041250 | XXXX | 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 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXXX | 26041234 | XXXX | 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 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXXX | 26041241 | XXXX | 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 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041228 | XXXX | 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 | 8.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041290 | XXXX | 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 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041269 | XXXX | 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 | 7.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Employed | No | No | No |  |
| XXXXX | 26041314 | XXXX | 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 | 7.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041273 | XXXX | 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 | Yes | No | No | No | No | Not Tested | 0 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 26041283 | XXXX | 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 | 7.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041244 | XXXX | 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 | 6.933 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |
| XXXXX | 26041245 | XXXX | 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 | 6.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041321 | XXXX | 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 | 6.747 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |
| XXXXX | 26041286 | XXXX | 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 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Retired |  | No |  | Yes | Present |
| XXXXX | 26041309 | XXXX | 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 | 7.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041296 | XXXX | 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 | 6.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041306 | XXXX | 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 | 6.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041299 | XXXX | 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 | 6.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041272 | XXXX | 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 | 8.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041315 | XXXX | 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 | 6.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041270 | XXXX | 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 | 6.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041316 | XXXX | 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 | 7.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041268 | XXXX | 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 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041274 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Retired |  | No |  | Yes | Present |
| XXXXX | 26041311 | XXXX | 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 | 6.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041281 | XXXX | 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 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041301 | XXXX | 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 | 7.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041256 | XXXX | 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 | 8.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041304 | XXXX | 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 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041320 | XXXX | 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 | 6.659 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Employed | No | No | No |  |
| XXXXX | 26041289 | XXXX | 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 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041287 | XXXX | 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 | 7.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041288 | XXXX | 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 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed |  | No |  | No |  |
| XXXXX | 26041267 | XXXX | 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 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041307 | XXXX | 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 | 7.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041303 | XXXX | 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 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041280 | XXXX | 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 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041317 | XXXX | 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 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041271 | XXXX | 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 | 7.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041318 | XXXX | 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 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041300 | XXXX | 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 | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041302 | XXXX | 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 | 7.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 26041276 | XXXX | 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 | 6.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXXX | 26041293 | XXXX | 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 | 6.394 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041266 | XXXX | 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 | 7.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| XXXXX | 26041261 | XXXX | 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 | 7.317 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |

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| **Loan ID** | **ALT 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** |
| XXXXX | 26041203 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | 26041212 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 55.56 | 55.56 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XX/XX/XXXX |
| XXXXX | 26041217 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041240 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041249 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 37.17 | 37.17 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041225 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 36.4 | 36.4 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | 26041229 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 55.8 | 55.8 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041246 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 26.21 | 26.21 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXX | 26041259 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 32.92 | 32.92 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041248 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 12.39 | 12.39 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXX | 26041252 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 56.94 | 56.94 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXXX | 26041277 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | 26041279 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | 26041292 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041284 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041322 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 40.44 | 40.44 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXX | 26041295 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 46.58 | 46.58 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041310 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 34.41 | 34.41 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041319 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 76.68 | 76.68 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041313 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXXX | 26041282 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX/XX/XXXX |
| XXXXX | 26041215 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 65.0 | 65.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0015 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041265 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 79.98 | 79.98 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
| XXXXX | 26041204 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 85.0 | 85.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
| XXXXX | 26041262 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXX | 26041205 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| XXXXX | 26041206 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 90.0 | 90.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | 26041207 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 90.0 | 90.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| XXXXX | 26041209 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 79.35 | 79.35 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | .1359 |  | XX/XX/XXXX |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041254 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 60.71 | 60.71 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | 26041200 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 54.12 | 54.12 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041255 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 26041202 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041201 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 51.22 | 51.22 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | 26041208 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041275 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 73.68 | 73.68 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXXX | 26041223 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041247 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXXXX | 26041211 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 33.35 | 33.35 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXX | 26041210 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 26041216 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 72.09 | 72.09 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041214 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | 26041242 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 58.33 | 58.33 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041235 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 90.0 | 90.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041219 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041213 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041298 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 9.52 | 9.52 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XX/XX/XXXX |
| XXXXX | 26041227 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| XXXXX | 26041263 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 52.05 | 52.05 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041294 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 64.26 | 64.26 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXXX | 26041257 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXXX | 26041231 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | 26041260 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 37.5 | 37.5 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXXX | 26041218 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | 26041226 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 67.24 | 67.24 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041278 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXX | 26041258 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041285 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | 26041233 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041251 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 58.06 | 58.06 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041253 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 70.48 | 70.48 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXX | 26041220 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXX | 26041224 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 85.0 | 85.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXX | 26041230 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | 26041221 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | 26041232 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 26041264 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 72.5 | 72.5 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | 26041222 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 53.87 | 53.87 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
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| XXXXX | 26041281 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 60.92 | 60.92 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| XXXXX | 26041301 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 65.0 | 65.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | 26041256 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | 26041304 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041320 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | 26041289 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 72.23 | 72.23 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXXX | 26041287 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041288 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | 26041267 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 79.3 | 79.3 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | 26041307 | XXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 68.44 | 68.44 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXXX | 26041303 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 66.67 | 66.67 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXX | 26041280 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXX | 26041317 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 23.62 | 23.62 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041271 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXX | 26041318 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| XXXXX | 26041300 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | 26041302 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXXX | 26041276 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041293 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXXXXXX | XXXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXX | 26041266 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | 26041261 | XXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 26041217 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.92 | 51.13 | Auditor calculated income and Tax amount as per documents in the loan file which were higher. |
| XXXXX | 26041240 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.93 | 48.47 | Audit liabilities were based on documents in the loan file.  |
| XXXXX | 26041249 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.84 | 39.71 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| XXXXX | 26041229 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.76 | 37.29 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXXX | 26041313 | XXXXX | Loan Type | the1003Page | Other | Conventional | Non-conventional doc type. Asset depletion loan. |
| XXXXX | 26041313 | XXXXX | Borrower 1 Last Name | notePage | XXXXXXXX | XXXXXXXX | Audit Value Pulled From Note. |
| XXXXX | 26041313 | XXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Employment N/A. Asset depletion loan. |
| XXXXX | 26041313 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 57.46 | Asset Depletion. DTI N/A |
| XXXXX | 26041204 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.11 | 47.10 | Audit reflects difference in subject homeowner's insurance per documents in the loan file. |
| XXXXX | 26041209 | XXXXX | Property Address | notePage | XXXXXXXX | XXXXXXXX | Audit value pulled From Note. |
| XXXXX | 26041254 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.77 | 11.78 | Rounding. |
| XXXXX | 26041255 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.64 | 44.65 | Rounding |
| XXXXX | 26041202 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 63.60 | Audit reflects asset depletion (no DTI) based on documents in the loan file. |
| XXXXX | 26041201 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 51.89 | Audit reflects asset depletion (no DTI) based on documents in the loan file.  |
| XXXXX | 26041275 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.78 | 49.77 | Rounding |
| XXXXX | 26041223 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.76 | 44.41 | Audit reflects difference in net rental income per documents in the loan file.  |
| XXXXX | 26041247 | XXXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXX | 26041247 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 70.06 | Audit reflects asset depletion (no DTI) based on documents in the loan file. |
| XXXXX | 26041211 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.3 | 36.89 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXXX | 26041214 | XXXXX | Borrower 1 Last Name | notePage | XXXXXXXX | XXXXXXXX | Audit Value Pulled From Note. |
| XXXXX | 26041242 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.25 | 45.30 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXXX | 26041263 | XXXXX | Qualifying LTV | propertyValuationPage | 52.05 | 52.06 | Rounding |
| XXXXX | 26041263 | XXXXX | Qualifying CLTV | propertyValuationPage | 52.05 | 52.06 | Rounding |
| XXXXX | 26041231 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.78 | 43.03 | Audit reflects difference in subject property taxes per documents in the loan file. |
| XXXXX | 26041218 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.25 | 44.26 | Rounding. |
| XXXXX | 26041220 | XXXXX | Property Address | notePage | XXXXXXXX | XXXXXXXX | Audit Value Pulled From Note. |
| XXXXX | 26041221 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.07 | 38.20 | Audit liabilities were based on documents in the loan file.  |
| XXXXX | 26041222 | XXXXX | Qualifying CLTV | propertyValuationPage | 53.87 | 50.72 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| XXXXX | 26041222 | XXXXX | Qualifying LTV | propertyValuationPage | 53.87 | 50.72 | Audit Value of Subject Lien / Qualifying Value |
| XXXXX | 26041312 | XXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No |  |
| XXXXX | 26041312 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 54.56 | 54.97 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXXX | 26041308 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.1 | 46.32 | In 1008 HOA is $X,XXX.XX however as per the document audit calculated tax is $XXX since DTI differ from XX.XX% XX XX.XX% |
| XXXXX | 26041239 | XXXXX | Property Address | notePage | XXXXXXXX | XXXXXXXX | Audit Value Pulled From Note. |
| XXXXX | 26041239 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 57.71 | Audit reflects asset depletion (no DTI) based on documents in the loan file. |
| XXXXX | 26041237 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 52.48 | 52.53 | Audit reflects difference in subject HOA Dues per documents in the loan file. |
| XXXXX | 26041297 | XXXXX | Property Address | notePage | XXXXXXXX | XXXXXXXX | Audit Value Pulled From Note. |
| XXXXX | 26041236 | XXXXX | Qualifying FICO | creditLiabilitiesPage | 715 | 726 | Audit value based on lender qualifying requirements. |
| XXXXX | 26041236 | XXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXXX | 26041243 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 51.52 | Audit reflects asset depletion (no DTI) based on documents in the loan file. |
| XXXXX | 26041305 | XXXXX | Borrower 1 Last Name | notePage | XXXXXXXX | XXXXXXXX | Audit Value Pulled From Note. |
| XXXXX | 26041250 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.86 | 21.78 | Audit reflects difference in net rental income per documents in the loan file.  |
| XXXXX | 26041269 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.88 | 41.03 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXXX | 26041321 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.06 | 43.19 | Audit reflects more conservative income based on documents in the loan file.  |
| XXXXX | 26041309 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.63 | 49.69 | due to all other monthly payment is not matching between 1008 and credit report. which leads difference in DTI. |
| XXXXX | 26041272 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.97 | 43.82 | Audit liabilities were based on documents in the loan file.  |
| XXXXX | 26041315 | XXXXX | Qualifying CLTV | propertyValuationPage | 79.67 | 79.68 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXX | 26041315 | XXXXX | Qualifying LTV | propertyValuationPage | 79.67 | 79.68 | Audit Value of 1st / Qualifying Value" |
| XXXXX | 26041270 | XXXXX | Qualifying LTV | propertyValuationPage | 49.11 | 49.10 | Rounding |
| XXXXX | 26041270 | XXXXX | Qualifying CLTV | propertyValuationPage | 49.11 | 49.10 | Rounding |
| XXXXX | 26041267 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.41 | 21.61 | Audit liabilities were based on the most recent credit report in the loan file dated 10/31/2025.  |
| XXXXX | 26041307 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.66 | 18.95 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXXX | 26041318 | XXXXX | Qualifying FICO | creditLiabilitiesPage | 739 | 742 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXXX | 26041261 | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.78 | 36.91 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |

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