# EDGAR Filing Document

**Accession Number:** 0002089717
**File Stem:** 0001999371-26-011624
**Filing Date:** 2026-5
**Character Count:** 2315678
**Document Hash:** 26bdcb78a25c35534aab80c4c4ff9ab8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-011624.hdr.sgml**: 20260528

**ACCESSION NUMBER**: 0001999371-26-011624

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

**PUBLIC DOCUMENT COUNT**: 38

**CONFORMED PERIOD OF REPORT**: 20260528

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

**FILED AS OF DATE**: 20260528

**DATE AS OF CHANGE**: 20260528

**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
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08393
- **FILM NUMBER:** 261037575

**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
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 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

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

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

 <u>HOMES 2026-NQM4 TRUST</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Thomas C. Griffin III, Authorized Signatory, (212) 710-2184

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

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

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

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

**<u>Exhibits</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;99.1 | &nbsp;&nbsp;AMC Diligence, LLC ("AMC") – Executive Summary |
|  | &nbsp;&nbsp;Schedule 1 – AMC Data Compare Report |
|  | &nbsp;&nbsp;Schedule 2 – AMC Exception Grades Report |
|  | &nbsp;&nbsp;Schedule 3 – AMC Rating Agency Grades Report |
|  | &nbsp;&nbsp;Schedule 4 – AMC Valuation Summary Report |
| &nbsp;&nbsp;99.2 | &nbsp;&nbsp;Canopy Financial Technology Partners, LLC ("Canopy") – Narrative |
|  | &nbsp;&nbsp;Schedule 1 – Canopy ATR OR QM Data Report |
|  | &nbsp;&nbsp;Schedule 2 – Canopy Data Compare Report |
|  | &nbsp;&nbsp;Schedule 3 – Canopy Rating Agency Grades Detail Report |
|  | &nbsp;&nbsp;Schedule 4 – Canopy Rating Agency Grades Summary Report |
|  | &nbsp;&nbsp;Schedule 5 – Canopy Valuation Report |
| &nbsp;&nbsp;99.3 | &nbsp;&nbsp;Clarifii LLC ("Clarifii") – Executive Summary |
|  | &nbsp;&nbsp;Schedule 1 – Clarifii ATR QM Report |
|  | &nbsp;&nbsp;Schedule 2 – Clarifii Data Compare Report |
|  | &nbsp;&nbsp;Schedule 3 – Clarifii Rating Agency Grades Detail Report |
|  | &nbsp;&nbsp;Schedule 4 – Clarifii Rating Agency Grades Summary Report |
|  | &nbsp;&nbsp;Schedule 5 – Clarifii Valuation Report |
| &nbsp;&nbsp;99.4 | &nbsp;&nbsp;Consolidated Analytics, Inc. ("CA") – Executive Summary |
|  | &nbsp;&nbsp;Schedule 1 – CA Data Compare Report |
|  | &nbsp;&nbsp;Schedule 2 – CA Due Diligence Standard Report |
|  | &nbsp;&nbsp;Schedule 3 – CA Rating Agency Grades Summary Report |
|  | &nbsp;&nbsp;Schedule 4 – CA Valuations Summary Report |
| &nbsp;&nbsp;99.5 | &nbsp;&nbsp;Opus Capital Markets Consultants, LLC ("Opus") – Executive Narrative |
|  | &nbsp;&nbsp;Schedule 1 – Opus ATR OR QM Data Report |
|  | &nbsp;&nbsp;Schedule 2 – Opus Data Compare Report |
|  | &nbsp;&nbsp;Schedule 3 – Opus Rating Agency Grades Summary Report |
|  | &nbsp;&nbsp;Schedule 4 – Opus Standard Findings Report |
|  | &nbsp;&nbsp;Schedule 5 – Opus Valuation Report |

---

**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.

---

| | |
|:---|:---|
| **APCA RESI O4B-25A, LLC** | **APCA RESI O4B-25A, LLC** |
| By: | Ares Alternative Credit Management LLC, its manager |
| By: | /s/ Thomas C. Griffin III |
|  | Name: Thomas C. Griffin III<br>Title: Authorized Signatory |

---

Date: May 28, 2026

**EXHIBIT INDEX**

<u>Exhibit Number</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.1](ex99-1.htm) | &nbsp;&nbsp;[AMC Diligence, LLC ("AMC") – Executive Summary](ex99-1.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – AMC Data Compare Report](ex99-1s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – AMC Exception Grades Report](ex99-1s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – AMC Rating Agency Grades Report](ex99-1s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – AMC Valuation Summary Report](ex99-1s4.htm) |
| &nbsp;&nbsp;[99.2](ex99-2.htm) | &nbsp;&nbsp;[Canopy Financial Technology Partners, LLC ("Canopy") – Narrative](ex99-2.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Canopy ATR OR QM Data Report](ex99-2s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Canopy Data Compare Report](ex99-2s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Canopy Rating Agency Grades Detail Report](ex99-2s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Canopy Rating Agency Grades Summary Report](ex99-2s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Canopy Valuation Report](ex99-2s5.htm) |
| &nbsp;&nbsp;[99.3](ex99-3.htm) | &nbsp;&nbsp;[Clarifii LLC ("Clarifii") – Executive Summar](ex99-3.htm)y |
|  | &nbsp;&nbsp;[Schedule 1 – Clarifii ATR QM Report](ex99-3s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Clarifii Data Compare Report](ex99-3s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Clarifii Rating Agency Grades Detail Report](ex99-3s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Clarifii Rating Agency Grades Summary Report](ex99-3s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Clarifii Valuation Report](ex99-3s5.htm) |
| &nbsp;&nbsp;[99.4](ex99-4.htm) | &nbsp;&nbsp;[Consolidated Analytics, Inc. ("CA") – Executive Summary](ex99-4.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – CA Data Compare Report](ex99-4s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – CA Due Diligence Standard Report](ex99-4s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – CA Rating Agency Grades Summary Report](ex99-4s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – CA Valuations Summary Report](ex99-4s4.htm) |
| &nbsp;&nbsp;[99.5](ex99-5.htm) | &nbsp;&nbsp;[Opus Capital Markets Consultants, LLC ("Opus") – Executive Narrative](ex99-5.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Opus ATR OR QM Data Report](ex99-5s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Opus Data Compare Report](ex99-5s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Opus Rating Agency Grades Summary Report](ex99-5s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Opus Standard Findings Report](ex99-5s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Opus Valuation Report](ex99-5s5.htm) |

---

## Exhibit 99.1

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**Exhibit 99.1**

![](ex991001.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 May 2025 through February 2026 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) Sample size of the assets reviewed.**

The final population of the Review contained one hundred six (106) Loans totaling an aggregate original principal balance of approximately $43.516 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), 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 Ratio | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only | &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.

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![](ex991001.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.

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![](ex991001.jpg)

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) 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.

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![](ex991001.jpg)

▪ 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.

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

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

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

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

&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);

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ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

---

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

**<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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![](ex991001.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the one hundred six (106) Loans reviewed, all one hundred six (106) Loans or (100%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &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;101 | &nbsp;&nbsp;95.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.72% |
| &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;**106** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

**COMPLIANCE RESULTS SUMMARY**

Of the twenty (20) Loans reviewed for compliance, all twenty (20) Loans or (100%) received an "A" or "B" compliance grade. Eighty-six (86) loans were business purpose loans that did not have compliance testing

---

| | | |
|:---|:---|:---|
| &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;19 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All one hundred six (106) 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;102 | &nbsp;&nbsp;96.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.77% |
| &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;**106** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All one hundred six (106) (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;106 | &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;**106** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

**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;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**5** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred six (106) Loans reviewed, there were a total of one hundred eighty-seven (187) different tape discrepancies across twelve (12) data fields (some Loans had more than one data delta). The largest variances were found on Note Date, Borrower Last Name and Contract Sales Price 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;1 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;57 | &nbsp;&nbsp;106 | &nbsp;&nbsp;53.77% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;33 | &nbsp;&nbsp;105 | &nbsp;&nbsp;31.43% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;86 | &nbsp;&nbsp;1.16% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;105 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;69 | &nbsp;&nbsp;87 | &nbsp;&nbsp;79.31% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;20 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;105 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;106 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;106 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;86 | &nbsp;&nbsp;12.79% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**2226** | &nbsp;&nbsp;**8.40%** | &nbsp;&nbsp;**106** |

---

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![](ex991001.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;106 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$43516256.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$43516256.00** | &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;106 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$43516256.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$43516256.00** | &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;55 | &nbsp;&nbsp;51.89% | &nbsp;&nbsp;$23028275.00 | &nbsp;&nbsp;52.92% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$323000.00 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;32 | &nbsp;&nbsp;30.19% | &nbsp;&nbsp;$11905631.00 | &nbsp;&nbsp;27.36% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.98% | &nbsp;&nbsp;$8259350.00 | &nbsp;&nbsp;18.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$43516256.00** | &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;241-360 Months | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$43516256.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$43516256.00** | &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;52 | &nbsp;&nbsp;49.06% | &nbsp;&nbsp;$16208700.00 | &nbsp;&nbsp;37.25% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;$2120500.00 | &nbsp;&nbsp;4.87% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$3539600.00 | &nbsp;&nbsp;8.13% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;26 | &nbsp;&nbsp;24.53% | &nbsp;&nbsp;$12883306.00 | &nbsp;&nbsp;29.61% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$1006250.00 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;11.32% | &nbsp;&nbsp;$3750500.00 | &nbsp;&nbsp;8.62% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;$2780350.00 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$1227050.00 | &nbsp;&nbsp;2.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$43516256.00** | &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;16 | &nbsp;&nbsp;15.09% | &nbsp;&nbsp;$10202254.00 | &nbsp;&nbsp;23.44% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;89 | &nbsp;&nbsp;83.96% | &nbsp;&nbsp;$32724002.00 | &nbsp;&nbsp;75.20% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$590000.00 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$43516256.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.1

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.1 - SCHEDULE 1**

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 5/22/2026 3:00:38 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 510 | 510 | 510 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 510 | 510 | 510 |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 431 | 431 | 431 |  |  | Original LTV | 78.84 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 434 | 434 | 434 |  |  | Original LTV | 53.8 | 56.68539 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 440 | 440 | 440 |  |  | Original LTV | 77.42 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 450 | 450 | 450 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance |
| 445 | 445 | 445 |  |  | Original LTV | 82.7 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 447 | 447 | 447 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance transaction |
| 413 | 413 | 413 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 415 | 415 | 415 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 415 | 415 | 415 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 415 | 415 | 415 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 407 | 407 | 407 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 408 | 408 | 408 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 408 | 408 | 408 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 406 | 406 | 406 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 406 | 406 | 406 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 406 | 406 | 406 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance Transaction |
| 405 | 405 | 405 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 405 | 405 | 405 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 405 | 405 | 405 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance transaction, |
| 411 | 411 | 411 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 411 | 411 | 411 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 411 | 411 | 411 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance |
| 410 | 410 | 410 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 410 | 410 | 410 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 410 | 410 | 410 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | This is a Refinance Transaction. |
| 412 | 412 | 412 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 412 | 412 | 412 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 412 | 412 | 412 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 414 | 414 | 414 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 428 | 428 | 428 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 428 | 428 | 428 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 428 | 428 | 428 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 428 | 428 | 428 |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.14 | Verified | Due to rounding. |
| 427 | 427 | 427 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 427 | 427 | 427 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance |
| 422 | 422 | 422 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 422 | 422 | 422 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 422 | 422 | 422 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | The subject loan transaction is a refinance. |
| 409 | 409 | 409 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 409 | 409 | 409 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 417 | 417 | 417 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 417 | 417 | 417 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 421 | 421 | 421 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 480 | 480 | 480 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 468 | 468 | 468 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 468 | 468 | 468 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 468 | 468 | 468 |  |  | Subject Debt Service Coverage Ratio | 0.93 | 0.94 | Verified | Field value reflects source document |
| 454 | 454 | 454 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 483 | 483 | 483 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 483 | 483 | 483 |  |  | Representative FICO | 784 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 471 | 471 | 471 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 471 | 471 | 471 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 456 | 456 | 456 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 456 | 456 | 456 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 456 | 456 | 456 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 476 | 476 | 476 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 460 | 460 | 460 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 460 | 460 | 460 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance case |
| 460 | 460 | 460 |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Discrepancy due to rounding. |
| 475 | 475 | 475 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 475 | 475 | 475 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance File |
| 475 | 475 | 475 |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Due to Rounded value |
| 453 | 453 | 453 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 453 | 453 | 453 |  |  | Note Date |  | (Redacted) | Verified | Bid tape field value is blank |
| 477 | 477 | 477 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 477 | 477 | 477 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 467 | 467 | 467 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 467 | 467 | 467 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 479 | 479 | 479 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 479 | 479 | 479 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 465 | 465 | 465 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 465 | 465 | 465 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 469 | 469 | 469 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 461 | 461 | 461 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 461 | 461 | 461 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 461 | 461 | 461 |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.25 | Verified | Lender used a lower rent amount of $%1500.00. Per 1007, rent is $1791.00 and this is what was used. |
| 485 | 485 | 485 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 485 | 485 | 485 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 485 | 485 | 485 |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.39 | Verified | Lender used a slightly higher tax amount than what was verified on tax cert. |
| 464 | 464 | 464 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 458 | 458 | 458 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 458 | 458 | 458 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Out of scope. |
| 470 | 470 | 470 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 470 | 470 | 470 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 470 | 470 | 470 |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.77 | Verified | $5800.00/$6242.36=0.77. Lender used a higher PITIA. |
| 457 | 457 | 457 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 457 | 457 | 457 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 457 | 457 | 457 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Unable to verify due to missing information |
| 462 | 462 | 462 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 462 | 462 | 462 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 462 | 462 | 462 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Out of scope. |
| 484 | 484 | 484 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 484 | 484 | 484 |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 484 | 484 | 484 |  |  | # of Units | (Redacted) | (Redacted) | Verified | Field value reflects source document |
| 487 | 487 | 487 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 487 | 487 | 487 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 466 | 466 | 466 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 466 | 466 | 466 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 474 | 474 | 474 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 474 | 474 | 474 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 478 | 478 | 478 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 463 | 463 | 463 |  |  | Note Date |  | (Redacted) | Verified | Bid tape field value is blank |
| 486 | 486 | 486 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 455 | 455 | 455 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 455 | 455 | 455 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 482 | 482 | 482 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 482 | 482 | 482 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 482 | 482 | 482 |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.19 | Verified | Rounding Factor |
| 424 | 424 | 424 |  |  | LTV Valuation Value | (Redacted) | (Redacted) | Verified | Field value reflects source document |
| 424 | 424 | 424 |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
| 420 | 420 | 420 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 420 | 420 | 420 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 418 | 418 | 418 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 418 | 418 | 418 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 509 | 509 | 509 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 509 | 509 | 509 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 509 | 509 | 509 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance transaction |
| 507 | 507 | 507 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 507 | 507 | 507 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 507 | 507 | 507 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance Loan. |
| 488 | 488 | 488 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 473 | 473 | 473 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 473 | 473 | 473 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 501 | 501 | 501 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 494 | 494 | 494 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 496 | 496 | 496 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 496 | 496 | 496 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 492 | 492 | 492 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 492 | 492 | 492 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 492 | 492 | 492 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance |
| 497 | 497 | 497 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 497 | 497 | 497 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 497 | 497 | 497 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 493 | 493 | 493 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 495 | 495 | 495 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 495 | 495 | 495 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 504 | 504 | 504 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 504 | 504 | 504 |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 489 | 489 | 489 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 489 | 489 | 489 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 503 | 503 | 503 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 508 | 508 | 508 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 508 | 508 | 508 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 502 | 502 | 502 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 502 | 502 | 502 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 491 | 491 | 491 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 429 | 429 | 429 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 429 | 429 | 429 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance transaction |
| 432 | 432 | 432 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 432 | 432 | 432 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 432 | 432 | 432 |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 432 | 432 | 432 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance |
| 439 | 439 | 439 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 439 | 439 | 439 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 435 | 435 | 435 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 435 | 435 | 435 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 435 | 435 | 435 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Out of scope. |
| 433 | 433 | 433 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 436 | 436 | 436 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 448 | 448 | 448 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 448 | 448 | 448 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 451 | 451 | 451 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 451 | 451 | 451 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 451 | 451 | 451 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance Transaction. |
| 444 | 444 | 444 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 444 | 444 | 444 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Its Refinance. |
| 437 | 437 | 437 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 437 | 437 | 437 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 437 | 437 | 437 |  |  | Subject Debt Service Coverage Ratio | 1.00 | 0.99 | Verified | Rounding Factor |
| 442 | 442 | 442 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 442 | 442 | 442 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 442 | 442 | 442 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 438 | 438 | 438 |  |  | Borrower Last Name | (Redacted) | (Redacted) | Verified | Field Value reflects Borrower name as it appears on the Note |
| 438 | 438 | 438 |  |  | Note Date |  | (Redacted) | Verified | Field Value reflects Note Date per the Note |
| 438 | 438 | 438 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 438 | 438 | 438 |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.19 | Verified | Field value reflects source document |
| 426 | 426 | 426 |  |  | Original LTV | 77.79 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 419 | 419 | 419 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 472 | 472 | 472 |  |  | Representative FICO | 752 | 783 | Verified | Per the guidelines, consider the highest mid of the borrowers. |
| 472 | 472 | 472 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 506 | 506 | 506 |  |  | Zip |  | (Redacted) | Verified | Field Value reflects Zip per Note |
| 506 | 506 | 506 |  |  | Representative FICO | 0 |  | Verified | Foreign national borrowers. |
| 506 | 506 | 506 |  |  | Appraised Value | (Redacted) | (Redacted) | Verified | Field Value captured from Valuation model in file |
| 498 | 498 | 498 |  |  | Contract Sales Price | 0.00 | (Redacted) | Verified | Refinance transaction |
| 505 | 505 | 505 |  |  | Original LTV | 77.61 | 80 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |

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## Exhibit 99.1

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.1 - SCHEDULE 2**

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| |
|:---|
| **Exception Grades** |
| **Run Date - 5/22/2026 12:37:27 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **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** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 510 | 510 | 510 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | [redacted] docs provided are signed and dated by borrower on [redacted]; however, note date is[redacted]. Please provide a Final [redacted] application signed at closing date. |  |  |  | Reviewer Comment (2025-06-12): Provided.<br>Buyer Comment (2025-06-12): [redacted]<br> (redacted) | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 434 | 434 | 434 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 440 | 440 | 440 | (redacted) |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE prior to closing. |  |  |  | Reviewer Comment (2025-12-03): VVOE received.<br>Buyer Comment (2025-12-01): Please see attached VVOE. Thank you.<br> (redacted) | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 440 | 440 | 440 | (redacted) |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing VVOE prior to closing. |  |  |  | Reviewer Comment (2025-12-03): VVOE received.<br> (redacted) | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 440 | 440 | 440 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 440 | 440 | 440 | (redacted) |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The hazard insurance policy did not disclose the correct lender name. Please provide an updated policy disclosing [redacted]. |  |  |  | Reviewer Comment (2025-12-03): Updated hazard insurance policy received.<br>Buyer Comment (2025-12-01): Please see HOI updated adding the (s) to [redacted]. Thank you.<br> (redacted) | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 441 | 441 | 441 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 443 | 443 | 443 | (redacted) |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  | Reviewer Comment (2025-12-18): Release of judgement received. Exception Cleared.<br>Buyer Comment (2025-12-17): Please find confirmation of paid judgement. Thank you.<br>Buyer Comment (2025-12-16): [redacted] per our guidelines a re-payment plan is acceptable. Please clear. Thank you!<br>Reviewer Comment (2025-12-10): Need evidence the lien was paid. Document provided is only the terms of repayment.<br>Buyer Comment (2025-12-08): See attached proof of paid Portfolio Recovery judgement. Thank you.<br> (redacted) | 1 B A |  | TX | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| 443 | 443 | 443 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | TX | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| 450 | 450 | 450 | (redacted) |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | HUD-[redacted] total cash-out of $[redacted] is greater than Guideline total cash-out of $[redacted] |  |  |  | Reviewer Comment (2025-12-11): Exception cleared. Cash out details updated correctly as per guideline.<br>Buyer Comment (2025-12-09): Per matrix, ≤ [redacted]% LTV Unlimited.<br> (redacted) | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 450 | 450 | 450 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 445 | 445 | 445 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | WA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 447 | 447 | 447 | (redacted) |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing a verification of employment within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-26): Business Entity Listing received and associated. Exception cleared.<br>Buyer Comment (2025-12-23): Please see exception attached. Thank you!<br> (redacted) | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 447 | 447 | 447 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Client elects to waive<br> (redacted) | 2 A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 447 | 447 | 447 | (redacted) |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a verification of employment within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-26): Business Entity Listing received and associated. Exception cleared.<br>Buyer Comment (2025-12-23): Please see verbal VVOE attached. Thank you.<br> (redacted) | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 447 | 447 | 447 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-23): [redacted] received proof of receipt.<br>Buyer Comment (2025-12-22): Please see attached Audit history as borrower received Initial Closing Disclosure at least [redacted] business days prior to closing.<br> (redacted) | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Exempt from ATR | No |
| 416 | 416 | 416 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2025-12-12): Updated [redacted] received with UW discretion for borrower living rent free. Exception Cleared.<br>Buyer Comment (2025-12-10): uw discretion<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 405 | 405 | 405 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | The Note reflects the trust as [redacted]; however, the trust provided is for [redacted]. |  |  |  | Reviewer Comment (2025-10-30): Email from county indicating corrected signature page will be recorded received.<br>Buyer Comment (2025-10-29): see attached email from title; the county agreed to use the new signature page<br>Buyer Comment (2025-10-29): email from title<br>Reviewer Comment (2025-10-27): Evidence the document uploaded was re-recorded will be required. The security instrument uploaded reflects a recorded date of [redacted] except for the corrected signature page.<br>Buyer Comment (2025-10-23): recorded mtg<br>Reviewer Comment (2025-10-09): The recorded mortgage provided, which shows recorded [redacted] still contains the incorrect trust name on the signature page. It reflects [redacted](see recorded page [redacted] of [redacted]). This will need to be corrected - a scrivener's affidavit, with evidence of intent to record affidavit, may be used.<br>Buyer Comment (2025-10-08): Please see attached evidence of delivery<br>Buyer Comment (2025-10-08): Please see attached affidavit<br>Buyer Comment (2025-10-08): Please see attached LOX<br>Reviewer Comment (2025-10-06): Provide verification that [redacted] the documents were provided to borrower to be signed. [redacted] Provide the Scrivener affidavit. [redacted] Provide the LOX to borrower explaining why they had to re-sign the Note and Sec inst.<br>Buyer Comment (2025-10-03): Please see attached NOTE AFFIDAVIT<br>Buyer Comment (2025-10-03): Please see attached re-recorded, corrected DOT<br>Buyer Comment (2025-10-02): Please see attached corrected NOTE<br> (redacted) | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 405 | 405 | 405 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide complete Security instrument with correct signature page showing the correct name of the Trust.. |  |  |  | Reviewer Comment (2025-10-30): Received corrected security instrument and email from county indicating corrections will be recorded.<br>Reviewer Comment (2025-10-27): Evidence the document uploaded was re-recorded will be required. The security instrument uploaded reflects a recorded date of [redacted] except for the corrected signature page.<br>Buyer Comment (2025-10-23): see attached revised recorded mtg<br>Reviewer Comment (2025-10-09): The recorded mortgage provided, which shows recorded [redacted] still contains the incorrect trust name on the signature page. It reflects [redacted](see recorded page [redacted] of [redacted]). This will need to be corrected - a scrivener's affidavit, with evidence of intent to record affidavit, may be used.<br>Buyer Comment (2025-10-08): Please see attached items in the other condition<br> (redacted) | 1 A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 410 | 410 | 410 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The notary signature on the Security Instrument was not dated. |  |  |  | Reviewer Comment (2025-10-01): Sec Inst with notary.<br>Buyer Comment (2025-09-29): DOT<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 410 | 410 | 410 | (redacted) |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent is missing from the file. |  |  |  | Reviewer Comment (2025-10-01): New Guarantor Agreement.<br>Buyer Comment (2025-09-29): guaranty<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 412 | 412 | 412 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2025-12-16): Updated [redacted] received reflecting UW discretion for borrower living rent free.<br>Buyer Comment (2025-12-16): [redacted]-Please see attached<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 414 | 414 | 414 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2025-12-04): Borrower moved into the current residence on [redacted] which is after the driver's license issued [redacted] Exception cleared.<br>Buyer Comment (2025-12-02): DL was issued [redacted] and Borrower moved into current residence [redacted]<br> (redacted) | 1 C A |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 414 | 414 | 414 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide letter of explanation from the homeowner verifying the terms of the rent free living scenario. UW discretion is also required. |  |  |  | Reviewer Comment (2025-12-04): Received rent free letter and [redacted] providing UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2025-12-02): UW discretion<br>Buyer Comment (2025-12-02): rent free letter<br> (redacted) | 1 C A D |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 409 | 409 | 409 | (redacted) |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD Present in a file however its not legible |  |  |  | Reviewer Comment (2026-01-07): Received signed and dated HUD. Exception cleared.<br>Buyer Comment (2026-01-05): Please see attached Final HUD<br> (redacted) | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 417 | 417 | 417 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-01-07): Received non-Owner occupancy certificate with address. Exception Cleared.<br>Buyer Comment (2026-01-05): Non-Owner<br> (redacted) | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 417 | 417 | 417 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is not dated within [redacted] days of the Note date. |  |  |  | Reviewer Comment (2026-01-07): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2026-01-05): cogs<br> (redacted) | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 421 | 421 | 421 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file approving borrower rent for primary housing being paid to family and cannot be verified. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-15): Waived with compensating factors per lender exception approval at origination.<br> (redacted) | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 423 | 423 | 423 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower a living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-17): Updated [redacted] reflecting UW discretion received in trailing documents.<br>Buyer Comment (2026-01-15): uw discretion<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 480 | 480 | 480 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-13): Provided [redacted] with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-01-09): [redacted]-Please see attached<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 483 | 483 | 483 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of the [redacted] rent payment. [redacted] Statement for [redacted]-[redacted] was not provided. |  |  |  | Reviewer Comment (2026-01-21): Received [redacted] [redacted] bank statement showing rent payment. Exception cleared.<br>Buyer Comment (2026-01-16): [redacted] rent payment<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 483 | 483 | 483 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-21): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-01-16): UW discretion<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 475 | 475 | 475 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing Missing in this loan file |  |  |  | Reviewer Comment (2026-01-23): LLC was formed in the last [redacted] months. Good standing is not required. Exception cleared.<br>Buyer Comment (2026-01-21): Please clear as per EIN documentation the LLC was just formed in [redacted] less than [redacted]mths ago. [redacted] does not require a cert of good standing. Thank you.<br> (redacted) | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 477 | 477 | 477 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower a living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-26): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-01-22): UW discretion<br> (redacted) | 1 C A |  | IA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 467 | 467 | 467 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing prior primary residence payments to complete [redacted] month housing history. |  |  |  | Reviewer Comment (2026-01-28): Mortgage statement located in the file covering [redacted] payment. Exception cleared.<br>Buyer Comment (2026-01-26): [redacted] reports [redacted] payment. [redacted] months payments provided.<br>Reviewer Comment (2026-01-26): Per bank statement [redacted] months housing history for current primary residence can be verified and [redacted] months for previous rental address. File is missing [redacted] more month housing history for primary residence. Exception remains.<br>Buyer Comment (2026-01-22): [redacted] - [redacted] rent checks<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 465 | 465 | 465 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Living rent free requires UW discretion for approving the living situation. |  |  |  | Reviewer Comment (2026-01-26): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-01-22): UW discretion<br> (redacted) | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 464 | 464 | 464 | (redacted) |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted] Final is incomplete |  | Final [redacted] reflects the borrower [redacted] as a Permanent Resident Alien however a US passport is in file. |  |  |  | Reviewer Comment (2026-01-30): Received updated [redacted] showing borrower is a US Citizen. Exception cleared.<br>Buyer Comment (2026-01-28): [redacted]<br> (redacted) | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 464 | 464 | 464 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-01-26): Updated [redacted] with UW discretion received and verified. Exception cleared.<br>Buyer Comment (2026-01-22): UW discretion<br> (redacted) | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 470 | 470 | 470 | (redacted) |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-01-30): HOA questionnaire was provided. Exception cleared.<br>Buyer Comment (2026-01-29): Please see attached condo warranty.<br>Buyer Comment (2026-01-28): Please see attached condo approval form. Thank you.<br>Reviewer Comment (2026-01-27): Received condo approved snip, unable to verify condo name and address. Provide condo approval certificate. Exception remains.<br>Buyer Comment (2026-01-23): Please see condo approval attached. Thanks.<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 470 | 470 | 470 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the Operating Agreement for [redacted]. |  |  |  | Reviewer Comment (2026-01-30): Received operating agreement for [redacted] with guarantor as [redacted]% owner. Exception cleared.<br>Buyer Comment (2026-01-29): Please see operating agreement attached. Thank you.<br>Reviewer Comment (2026-01-27): Operating agreement will be required to verify borrower is the sole member and has [redacted]% ownership in the business [redacted]. Exception remains<br>Buyer Comment (2026-01-23): [redacted], PLEASE note there is no operating agreement on record as the LLC. is owned/operated by the Borrower as a "sole member". Thank you.<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 457 | 457 | 457 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing dated within [redacted] days of the Note date. |  |  |  | Reviewer Comment (2026-02-02): Received Opencorporates business search. Exception cleared<br>Buyer Comment (2026-01-30): Please see date at the bottom left side. Thank you.<br>Reviewer Comment (2026-01-30): Provided business entity search does not have document date. Require business search with date when it was searched. Exception remains.<br>Buyer Comment (2026-01-28): Please accept in place of a cert of good standing as this document reflects the same information.<br> (redacted) | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 462 | 462 | 462 | (redacted) |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2026-01-28): Permanent Residence Card received. Exception Cleared.<br>Buyer Comment (2026-01-26): Valid green card for Borrower. Thank you.<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 484 | 484 | 484 | (redacted) |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-29): Received final title policy with no lien reflecting on the property. Exception cleared.<br> (redacted) | 1 A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 484 | 484 | 484 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are [redacted] liens reporting on title and only [redacted] paid at closing. Final title to verify all lines on title have been satisfied and will not impact the final title. |  |  |  | Reviewer Comment (2026-01-29): Received final title policy with no lien reflecting on the property. Exception cleared.<br>Buyer Comment (2026-01-27): Final Title policy<br> (redacted) | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 474 | 474 | 474 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-01-30): Provided [redacted] with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-01-28): UW discretion<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 478 | 478 | 478 | (redacted) |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There are red flags on the fraud report that were not addressed. |  |  |  | Reviewer Comment (2026-01-28): Updated Fraud Report received and all alerts are cleared. Exception Cleared.<br>Buyer Comment (2026-01-26): fraud summary<br> (redacted) | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 486 | 486 | 486 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | The lender used $[redacted] for DSCR qualification, while the system referenced $[redacted] from the comparable rent schedule. Unable to confirm [redacted] months rent receipt. |  |  |  | Reviewer Comment (2026-01-30): Received [redacted] months rent receipt. Exception cleared.<br>Buyer Comment (2026-01-28): rent<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 486 | 486 | 486 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a rent-free letter from spouse and evidence of spouse's mortgage or current lease. |  |  |  | Reviewer Comment (2026-01-30): Received mortgage statement in the name of the spouse and rent free letter. Exception Cleared.<br>Buyer Comment (2026-01-28): mtg statement<br>Buyer Comment (2026-01-28): rent free<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 455 | 455 | 455 | (redacted) |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] |  | Provide a final closing statement signed by all parties or stamped true and certified. |  |  |  | Reviewer Comment (2026-01-30): Final HUD-[redacted] received signed by all parties or stamped true and certified. Exception cleared.<br>Buyer Comment (2026-01-28): final SS<br> (redacted) | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 455 | 455 | 455 | (redacted) |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-30): Final Title Policy received. Exception cleared.<br> (redacted) | 1 A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 455 | 455 | 455 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-30): UW discretion in updated [redacted] exception cleared<br>Buyer Comment (2026-01-28): UW discretion<br> (redacted) | 1 C A D |  | NY | Investment | Purchase | D A |  | N/A | No |
| 455 | 455 | 455 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement missing in Loan File. |  |  |  | Reviewer Comment (2026-01-30): Purchase Agreement received. Exception cleared.<br>Buyer Comment (2026-01-28): addendum<br>Buyer Comment (2026-01-28): purchase<br> (redacted) | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 455 | 455 | 455 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seller has multiple mortgage on title and only [redacted] was paid on final HUD. Provide verification final title is free and clear on prior mortgages, liens and/or judgments. |  |  |  | Reviewer Comment (2026-01-30): Final Title received conforming free from other mortgages. Exception cleared.<br>Buyer Comment (2026-01-28): Final title<br> (redacted) | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 420 | 420 | 420 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-01-09): Received Non-Owner Occupancy declaration. Exception Cleared.<br>Buyer Comment (2026-01-07): Non-Owner<br>Buyer Comment (2026-01-07): fraud<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 420 | 420 | 420 | (redacted) |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - business entity is missing. |  |  |  | Reviewer Comment (2026-01-09): Received OFAC. Exception Cleared.<br>Buyer Comment (2026-01-07): fraud<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 509 | 509 | 509 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  |  |  | Reviewer Comment (2025-10-03): Post-consummation dated fraud report clearing OFA received in trailing docs.<br>Buyer Comment (2025-10-01): Fraud<br>Reviewer Comment (2025-09-26): Provide OFAC search for borrowing entity.<br>Buyer Comment (2025-09-26): There is nothing on Fraud Report, It's all green.<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 509 | 509 | 509 | (redacted) |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Guidelines require that all liens should be paid in full prior to, or at closing. The file did not contain evidence of settlement or release of tax liens. |  |  |  | Reviewer Comment (2025-10-06): Satisfaction documents.<br>Buyer Comment (2025-10-06): Please see attached breakdown of lien which is paid in full.<br>Reviewer Comment (2025-10-03): Unable to associate any of the liens on the provided document are for the judgments. No name on the document nor do any of the numbers match filing number. Also the document shows balances for each judgment.<br>Buyer Comment (2025-10-01): [redacted] - [redacted]<br>Buyer Comment (2025-10-01): explanation for tax liens payoff<br>Reviewer Comment (2025-09-26): None of the documents provided verify the liens were paid.<br>Buyer Comment (2025-09-26): Please see attached<br> (redacted) | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 509 | 509 | 509 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The appraisal has a different lender name. Please provide an appraisal invoice as is required by guidelines. |  |  |  | Reviewer Comment (2025-10-03): Invoice<br>Buyer Comment (2025-10-02): appraisal invoice<br>Reviewer Comment (2025-09-26): Provide appraisal invoice.<br>Buyer Comment (2025-09-24): Please see attached<br> (redacted) | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 473 | 473 | 473 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is Missing in loan file. |  |  |  | Reviewer Comment (2026-02-04): Received business entity search dated [redacted] Exception cleared.<br>Buyer Comment (2026-02-02): Please see dated [redacted] attached. Thank you.<br>Reviewer Comment (2026-02-02): Trailing doc #[redacted] does not show the date the search was performed. Exception remains.<br>Buyer Comment (2026-01-30): Please see attached. Thank you.<br>Reviewer Comment (2026-01-30): Provided document is missing incorporation date and business status. Exception remains<br>Buyer Comment (2026-01-28): Please accept in place of cert of good standing as document reflects the same information. Thank you.<br> (redacted) | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 501 | 501 | 501 | (redacted) |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-02-09): Final Title Policy received. Exception cleared.<br> (redacted) | 1 A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 501 | 501 | 501 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free. This does not meet guidelines. File is missing letter of explanation from owner and underwriter discretion documentation allowing for rent free. |  |  |  | Reviewer Comment (2026-02-09): [redacted] received with UW discretion, exception cleared.<br>Buyer Comment (2026-02-05): Uw discretion<br> (redacted) | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 501 | 501 | 501 | (redacted) |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Judgment on title for borrower from [redacted]. Judgements are required to be paid at or prior to closing. |  |  |  | Reviewer Comment (2026-02-09): Clarification received on judgement. Exception cleared.<br>Buyer Comment (2026-02-06): final title<br>Buyer Comment (2026-02-05): judgement not borrower's<br> (redacted) | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 492 | 492 | 492 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied does not show the borrower(s) at a different address. |  |  |  | Reviewer Comment (2026-02-12): Received [redacted] with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-02-10): Please find [redacted] pages attached with signature pages. Thank you.<br>Reviewer Comment (2026-02-10): Received first page of Certificate of Non-Owner Occupancy. Provide complete Certificate of Non-Owner Occupancy along with signature page. Exception remains.<br>Buyer Comment (2026-02-06): See section [redacted] completed. Thank you.<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 504 | 504 | 504 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | DSCR [redacted] does not meet minimum required DSCR [redacted] |  |  |  | Reviewer Comment (2026-02-11): [redacted] months vacation rentals located in the file. Average income used. [redacted] is within guideline requirement. Exception cleared.<br>Buyer Comment (2026-02-09): short term rental $[redacted]<br> (redacted) | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 504 | 504 | 504 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of mortgage payments on primary residence for [redacted] through [redacted] on first mortgage. |  |  |  | Reviewer Comment (2026-02-11): Received credit supplement report for verification of mortgage payments on primary residence for [redacted] through [redacted] on first mortgage. Exception cleared.<br>Buyer Comment (2026-02-09): credit supplement<br> (redacted) | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 489 | 489 | 489 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a dated Certificate of Good Standing. Must be dated within [redacted] days of the Note date, |  |  |  | Reviewer Comment (2026-02-12): Received business entity search dated [redacted] Exception cleared.<br>Buyer Comment (2026-02-10): Please accept in place of the cert of good standing as document reflects the same information. Thank you.<br> (redacted) | 1 C A |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 489 | 489 | 489 | (redacted) |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-02-12): Provided final closing statement. Exception cleared.<br>Buyer Comment (2026-02-10): Please find final HUD-[redacted] attached. Thank you.<br> (redacted) | 1 D A |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 503 | 503 | 503 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of mortgage payments on primary residence for [redacted] through [redacted] on first mortgage. |  |  |  | Reviewer Comment (2026-02-11): Received credit supplement report for verification of mortgage payments on primary residence for [redacted] through [redacted] on first mortgage. Exception cleared.<br>Buyer Comment (2026-02-09): credit supplement<br> (redacted) | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 508 | 508 | 508 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification of citizenship status for [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Provided document to verify citizenship of the guarantor. Exception cleared.<br>Buyer Comment (2026-02-12): Please fin SSN card & form I-[redacted] attached. Thank you.<br> (redacted) | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 502 | 502 | 502 | (redacted) |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender approved exception to allow loan amount of $[redacted] versus program minimum loan amount of $[redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2026-02-09): Waived with compensating factors per lender exception approval at origination.<br> (redacted) | 2 B |  | KS | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 491 | 491 | 491 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-16): Received [redacted] with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-02-12): UW discretion<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 430 | 430 | 430 | (redacted) |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Judgments and liens are required to be paid at or prior to closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-10-17): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-10-15): [redacted]-Please see attached<br>Reviewer Comment (2025-09-26): Unable to clear. Nothing provided to evidence they do not belong to the borrower. Title agent only states they are not recorded in the same county as the property. The name and the last [redacted] digits of the SSN on fraud report match the borrower.<br>Buyer Comment (2025-09-24): Please note & accept the Title company's response regarding the judgement & lien confirming not our Borrowers and to be removed from final title policy which we will not have for at least [redacted]days. Thank you.<br> (redacted) | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 429 | 429 | 429 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership percentage of the borrowing entity. |  |  |  | Reviewer Comment (2025-10-01): Stock Certificate showing Guarantor owns [redacted]%.<br>Buyer Comment (2025-09-29): [redacted] reports [redacted] shares; see attached stock certificate<br> (redacted) | 1 C A |  | NY | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 429 | 429 | 429 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine ownership percentage for the business entity. |  |  |  | Reviewer Comment (2025-10-01): Stock Certificate showing Guarantor owns [redacted]%.<br>Buyer Comment (2025-09-29): stock certificate<br>Buyer Comment (2025-09-29): [redacted] reports [redacted] shares; see attached stock certificate<br> (redacted) | 1 C A |  | NY | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 429 | 429 | 429 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide [redacted] month pay history for the primary residence or provide verification it is owned free and clear. |  |  |  | Reviewer Comment (2025-10-01): Credit Supp verifying the pay [redacted] for [redacted] Home equity loan.<br>Buyer Comment (2025-09-29): [redacted] mtg history<br>Buyer Comment (2025-09-29): property profile<br>Buyer Comment (2025-09-29): primary residence property profile<br> (redacted) | 1 C A D |  | NY | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 439 | 439 | 439 | (redacted) |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - business entity missing. |  |  |  | Reviewer Comment (2025-11-23): OFAC for business entity received and verified the details. Exception Cleared.<br>Buyer Comment (2025-11-20): fraud<br>Reviewer Comment (2025-11-19): Entity is [redacted] and OFAC was pulled for [redacted]. Provide OFAC for the borrowing entity.<br>Buyer Comment (2025-11-17): fraud<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 439 | 439 | 439 | (redacted) |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missng verification the donor gave the closing agent the gift funds. |  |  |  | Reviewer Comment (2025-11-19): Wire verification.<br>Buyer Comment (2025-11-17): gift funds wire<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 433 | 433 | 433 | (redacted) |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): Updated Guarantee agreement received with spousal signature and requirement is met. Exception Cleared.<br>Buyer Comment (2025-12-10): guaranty<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 433 | 433 | 433 | (redacted) |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2025-12-12): Updated Guarantee agreement received with spousal signature and requirement is met. Exception Cleared.<br>Buyer Comment (2025-12-10): see attached<br> (redacted) | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 448 | 448 | 448 | (redacted) |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Provide hazard insurance policy covering note date [redacted]/[redacted]/[redacted] |  |  |  | Reviewer Comment (2025-12-09): Received hazard insurance policy covering note date. Exception cleared.<br>Buyer Comment (2025-12-05): Ins<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 452 | 452 | 452 | (redacted) |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2025-12-12): Received [redacted] with underwriter comment. Exception Cleared.<br>Buyer Comment (2025-12-10): UW discretion<br> (redacted) | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 437 | 437 | 437 | (redacted) |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender's PITIA is $[redacted] PITIA verified through audit is $[redacted] The main source of the discrepancy is the hazard insurance payment. Declaration page provided reflects premium of $[redacted] or $[redacted]/mo. Insurance payment used by lender is $[redacted]/mo. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-26): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-23): exception<br> (redacted) | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 426 | 426 | 426 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was added on closing disclosure issued [redacted]/[redacted]/[redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-12-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-29): Attached are the required cure docs<br>Reviewer Comment (2025-12-26): correcting, not cancelled, valid exception<br>Reviewer Comment (2025-12-23): Upon further review the fee were within tolerance limit.<br>Buyer Comment (2025-12-22): COC for Settlement Charges updated attached<br> (redacted) | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Exempt from ATR | No |
| 426 | 426 | 426 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-15): [redacted] lender testing ATR.<br> (redacted) | 2 A |  | TX | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 419 | 419 | 419 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-13): Waived as client requested ATR equivalency testing.<br>Buyer Comment (2026-01-12): please also see attached compliance report<br>Buyer Comment (2026-01-12): Please specify what document you require to clear the exception<br> (redacted) | 2 A |  | FL | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 472 | 472 | 472 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-15): Sufficient Cure Provided At Closing<br> (redacted) | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Exempt from ATR | No |
| 472 | 472 | 472 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-23): Please waive.<br> (redacted) | 2 A |  | TX | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 459 | 459 | 459 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-27): [redacted] lender testing ATR<br>Buyer Comment (2026-01-26): Please waive.<br> (redacted) | 2 A |  | CA | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| 506 | 506 | 506 | (redacted) |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange not provided |  | File is missing the currency converter for the borrower's foreign income listed on the CPA letter. Income subject to recalculation upon receipt. |  |  |  | Reviewer Comment (2026-01-12): Exception cleared. Received Currency converter and updated correctly.<br>Buyer Comment (2026-01-08): Please see documents attached. Thank you.<br>Buyer Comment (2026-01-08): The income per the CPA letter, converted from [redacted] to USD then calculated income in USD. Conversion documentation is attached and I used [redacted] as the conversation date as the CPA letter was uploaded [redacted] Current NIS valuation is higher so conservatively, using the lower conversion rate.<br>[redacted] - Self-employed income per CPA - Currency Conversion: NIS ([redacted]) to USD as of [redacted] (without getting too far into the minutia). If needed I can back track by month/year but what we are looking at is YTD income per CPA letter as it is less than previous averages and there would be minimal difference).<br> • [redacted] NIS in [redacted] = $[redacted] / [redacted] months = $[redacted]<br> • [redacted] NIS in [redacted] = $[redacted] / [redacted] months = $[redacted]<br> • [redacted] NIS YTD [redacted] = $[redacted] / [redacted] months = $[redacted]<br>Total USD: <br> • $[redacted] / [redacted] months ([redacted] [redacted] YTD [redacted]) = $[redacted] <br> • $[redacted] / [redacted] months ([redacted] and [redacted]) = $[redacted]<br> • $[redacted] / [redacted] months ([redacted] and YTD [redacted]) = $[redacted]<br> • $[redacted] / [redacted] months (YTD [redacted]) = $[redacted]<br> YTD income as of [redacted] was $[redacted]/month. Underwriter used $[redacted]/month to qualify. No change to DTI as using lower amount to qualify.<br> Noted that the W2 income was calculated separately and not paid in NIS.<br> (redacted) | 1 C A |  | NJ | Second Home | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 506 | 506 | 506 | (redacted) |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the currency converter for the borrower's foreign income listed on the CPA letter. Income subject to recalculation upon receipt. |  |  |  | Reviewer Comment (2026-01-14): Currency convertor received in trailing docs.<br>Buyer Comment (2026-01-13): [redacted], PLEASE clear as same condition was cleared above. Thank you.<br> (redacted) | 1 C A |  | NJ | Second Home | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 506 | 506 | 506 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-24): [redacted] lender testing ATR.<br>Buyer Comment (2026-02-23): Please waive.<br> (redacted) | 2 A |  | NJ | Second Home | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 500 | 500 | 500 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Lender credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-05): [redacted] received a valid COC.<br>Buyer Comment (2026-02-05): Please see attached COC.<br> (redacted) | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | No |
| 500 | 500 | 500 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-22): [redacted] lender testing ATR.<br> (redacted) | 2 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 490 | 490 | 490 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-22): [redacted] lender testing ATR.<br> (redacted) | 2 A |  | AZ | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 498 | 498 | 498 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-23): [redacted] lender testing ATR.<br> (redacted) | 2 A |  | IL | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| 505 | 505 | 505 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing<br> (redacted) | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | No |
| 505 | 505 | 505 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-23): [redacted] lender testing ATR.<br> (redacted) | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 499 | 499 | 499 | (redacted) |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-23): [redacted] lender testing ATR.<br> (redacted) | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |

---

## Exhibit 99.1

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.1 - SCHEDULE 3**

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 5/22/2026 12:37:27 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| 510 | 510 | 510 |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 431 | 431 | 431 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 434 | 434 | 434 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 440 | 440 | 440 |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 449 | 449 | 449 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 441 | 441 | 441 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 443 | 443 | 443 |  |  | B |  | A | A | A | A | A | A | B | A |  | A | A | A | A | A | A | A |  |
| 450 | 450 | 450 |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 445 | 445 | 445 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 447 | 447 | 447 |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 413 | 413 | 413 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 415 | 415 | 415 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 416 | 416 | 416 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 407 | 407 | 407 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 408 | 408 | 408 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 406 | 406 | 406 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 405 | 405 | 405 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 411 | 411 | 411 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 410 | 410 | 410 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 412 | 412 | 412 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 414 | 414 | 414 |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 428 | 428 | 428 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 427 | 427 | 427 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 422 | 422 | 422 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 409 | 409 | 409 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 417 | 417 | 417 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 421 | 421 | 421 |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 425 | 425 | 425 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 423 | 423 | 423 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 480 | 480 | 480 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 468 | 468 | 468 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 454 | 454 | 454 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 481 | 481 | 481 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 483 | 483 | 483 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 471 | 471 | 471 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 456 | 456 | 456 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 476 | 476 | 476 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 460 | 460 | 460 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 475 | 475 | 475 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 453 | 453 | 453 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 477 | 477 | 477 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 467 | 467 | 467 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 479 | 479 | 479 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 465 | 465 | 465 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 469 | 469 | 469 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 461 | 461 | 461 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 485 | 485 | 485 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 464 | 464 | 464 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 458 | 458 | 458 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 470 | 470 | 470 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 457 | 457 | 457 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 462 | 462 | 462 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 484 | 484 | 484 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 487 | 487 | 487 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 466 | 466 | 466 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 474 | 474 | 474 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 478 | 478 | 478 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 463 | 463 | 463 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 486 | 486 | 486 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 455 | 455 | 455 |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 482 | 482 | 482 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 424 | 424 | 424 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 420 | 420 | 420 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 418 | 418 | 418 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 509 | 509 | 509 |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 507 | 507 | 507 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 488 | 488 | 488 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 473 | 473 | 473 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 501 | 501 | 501 |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 494 | 494 | 494 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 496 | 496 | 496 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 492 | 492 | 492 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 497 | 497 | 497 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 493 | 493 | 493 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 495 | 495 | 495 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 504 | 504 | 504 |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 489 | 489 | 489 |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 503 | 503 | 503 |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 508 | 508 | 508 |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 502 | 502 | 502 |  |  | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 491 | 491 | 491 |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 430 | 430 | 430 |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 429 | 429 | 429 |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 432 | 432 | 432 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 439 | 439 | 439 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 435 | 435 | 435 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 433 | 433 | 433 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 436 | 436 | 436 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 448 | 448 | 448 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 451 | 451 | 451 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 446 | 446 | 446 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 452 | 452 | 452 |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 444 | 444 | 444 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 437 | 437 | 437 |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 442 | 442 | 442 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 438 | 438 | 438 |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 426 | 426 | 426 |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 419 | 419 | 419 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 472 | 472 | 472 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 459 | 459 | 459 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 506 | 506 | 506 |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 500 | 500 | 500 |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 490 | 490 | 490 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 498 | 498 | 498 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 505 | 505 | 505 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 499 | 499 | 499 |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |

---

## Exhibit 99.1

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.1 - SCHEDULE 4**

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 5/22/2026 12:37:27 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 510 | 510 | 510 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 431 | 431 | 431 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 434 | 434 | 434 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 440 | 440 | 440 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 449 | 449 | 449 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 441 | 441 | 441 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 443 | 443 | 443 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 450 | 450 | 450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 445 | 445 | 445 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.810% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 447 | 447 | 447 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 413 | 413 | 413 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 415 | 415 | 415 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 416 | 416 | 416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 407 | 407 | 407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 408 | 408 | 408 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 406 | 406 | 406 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 405 | 405 | 405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 411 | 411 | 411 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 410 | 410 | 410 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 412 | 412 | 412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 414 | 414 | 414 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 428 | 428 | 428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 427 | 427 | 427 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.360% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 422 | 422 | 422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 409 | 409 | 409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 417 | 417 | 417 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 421 | 421 | 421 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 425 | 425 | 425 |  |  |  |  |  |  |  | 23.690% |  |  |  | Appraisal |  |  |  |  |  |  | 23.690% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 423 | 423 | 423 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 480 | 480 | 480 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 468 | 468 | 468 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 454 | 454 | 454 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 481 | 481 | 481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 483 | 483 | 483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 471 | 471 | 471 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 456 | 456 | 456 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.900% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 476 | 476 | 476 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 460 | 460 | 460 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 475 | 475 | 475 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 453 | 453 | 453 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 477 | 477 | 477 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 467 | 467 | 467 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 479 | 479 | 479 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 465 | 465 | 465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 469 | 469 | 469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 461 | 461 | 461 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 485 | 485 | 485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| 464 | 464 | 464 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 458 | 458 | 458 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 470 | 470 | 470 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 457 | 457 | 457 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 462 | 462 | 462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 484 | 484 | 484 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 487 | 487 | 487 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.90 |
| 466 | 466 | 466 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 474 | 474 | 474 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 478 | 478 | 478 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 5.880% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 463 | 463 | 463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 486 | 486 | 486 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 455 | 455 | 455 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 482 | 482 | 482 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.170% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 424 | 424 | 424 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 420 | 420 | 420 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 418 | 418 | 418 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 509 | 509 | 509 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 507 | 507 | 507 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 488 | 488 | 488 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 473 | 473 | 473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 501 | 501 | 501 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 494 | 494 | 494 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 496 | 496 | 496 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 492 | 492 | 492 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 497 | 497 | 497 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 493 | 493 | 493 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 495 | 495 | 495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 504 | 504 | 504 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 489 | 489 | 489 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 503 | 503 | 503 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 508 | 508 | 508 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 502 | 502 | 502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 491 | 491 | 491 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 430 | 430 | 430 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 429 | 429 | 429 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 432 | 432 | 432 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 439 | 439 | 439 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 435 | 435 | 435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 433 | 433 | 433 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 436 | 436 | 436 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 448 | 448 | 448 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 451 | 451 | 451 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 446 | 446 | 446 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 452 | 452 | 452 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 444 | 444 | 444 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 437 | 437 | 437 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 442 | 442 | 442 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 438 | 438 | 438 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 426 | 426 | 426 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 419 | 419 | 419 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 472 | 472 | 472 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 459 | 459 | 459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 506 | 506 | 506 |  |  |  |  |  |  |  | 10.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 500 | 500 | 500 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.500% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 490 | 490 | 490 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 498 | 498 | 498 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 505 | 505 | 505 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 499 | 499 | 499 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.2

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**NARRATIVE**

**HOMES 2026-NQM4**

**By Canopy Financial Technology Partners LLC on May 27, 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

![](ex992001.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 September 2025 to April 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of four hundred fifty-three (453) Loans with an aggregate original principal balance of $237,199,184.

**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 |
| &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 |

---

![](ex992001.jpg)

**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.

![](ex992001.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:

● Social Security inconsistencies

● Borrower name variations

![](ex992001.jpg)

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

● 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.

![](ex992001.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.

![](ex992001.jpg)

**"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.

**"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).

![](ex992001.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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial
 and final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note,
 including all addendums;

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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");

![](ex992001.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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

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

![](ex992001.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).

![](ex992001.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.

![](ex992001.jpg)

**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.

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.

![](ex992001.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.

**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. |

---

![](ex992001.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: 98.23% (445 loans) have an overall grade of "A", and 1.55% (7 loans) has an overall grade of "B", and 0.22% (1 loan) has an overall grade of "C".

Canopy's review concluded a Credit grade of "A" for 99.12% (449) mortgage loans reviewed, and 0.88% (4) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 99.12% (449) mortgage loans reviewed, and 0.66% (3) have a Compliance grade of "B", and 0.22% (1) have a Compliance grade of "C".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% (453) mortgage loans reviewed, and 0.00% (0) have a Property/Valuation grade of "B".

![](ex992001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;445 | &nbsp;&nbsp;98.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;449 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &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;**453** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;449 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;453 | &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;**453** | &nbsp;&nbsp;**100.00%** |

---

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;412 | &nbsp;&nbsp;90.95% | &nbsp;&nbsp;$213980334.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;41 | &nbsp;&nbsp;9.05% | &nbsp;&nbsp;$23218850.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$237199184.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;453 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$237199184.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$237199184.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;115 | &nbsp;&nbsp;25.39% | &nbsp;&nbsp;$61772150.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;85 | &nbsp;&nbsp;18.76% | &nbsp;&nbsp;$40897377.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;173 | &nbsp;&nbsp;38.19% | &nbsp;&nbsp;$84980814.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;80 | &nbsp;&nbsp;17.66% | &nbsp;&nbsp;$49548843.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$237199184.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;453 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$237199184.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$237199184.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;216 | &nbsp;&nbsp;47.68% | &nbsp;&nbsp;$135046781.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.99% | &nbsp;&nbsp;$5295500.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;228 | &nbsp;&nbsp;50.33% | &nbsp;&nbsp;$96856903.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**453** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$237199184.00** |

---

![](ex992001.jpg)

**DATA COMPARISON RESULTS**

Of the four hundred fifty-three (453) loan files reviewed, one hundred fourteen (114) unique loans (25.17% by number) had one hundred forty-nine (149) tape comparison discrepancies across twenty-nine (29) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Maximum | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;453 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;453 | &nbsp;&nbsp;3.31% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;453 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;453 | &nbsp;&nbsp;3.31% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;453 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;453 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;453 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property Description | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;453 | &nbsp;&nbsp;3.09% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;453 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;17 | &nbsp;&nbsp;453 | &nbsp;&nbsp;3.75% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;12 | &nbsp;&nbsp;453 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;453 | &nbsp;&nbsp;0.22% |

---

![](ex992001.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.*

## Exhibit 99.2

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.2 - SCHEDULE 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 122248 |  |  | 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 |
| 670851 |  |  | 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 |
| 741457 |  |  | 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 |  | No |  | Yes | Present |
| 944554 |  |  | 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 |
| 830786 |  |  | 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 |  |
| 452620 |  |  | 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 |  |
| 947582 |  |  | 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 |  |
| 805754 |  |  | 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 |  |
| 402970 |  |  | 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 |
| 222045 |  |  | 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 |  |
| 113920 |  |  | 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 |  |
| 435544 |  |  | 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 |
| 173635 |  |  | 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 |
| 984988 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 794426 |  |  | 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 |
| 868096 |  |  | 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 |  |
| 937447 |  |  | 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 |  |
| 321272 |  |  | 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 |  |
| 144324 |  |  | 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 |  |
| 127381 |  |  | 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 |  |
| 743825 |  |  | 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 |  |
| 256005 |  |  | 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 |  |
| 744670 |  |  | 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 |  |
| 598876 |  |  | 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 |  |
| 169039 |  |  | 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 |  |
| 662779 |  |  | 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 |  |
| 755496 |  |  | 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 |  |
| 294193 |  |  | 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 |  |
| 343374 |  |  | 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 |  |
| 114400 |  |  | 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 |  |
| 633503 |  |  | 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 |  |
| 710558 |  |  | 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 |
| 937618 |  |  | 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 |  |
| 581905 |  |  | 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 |  |
| 749533 |  |  | 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 |  |
| 602778 |  |  | 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 |  |
| 484919 |  |  | 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 |  |
| 963786 |  |  | 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 |  |
| 767611 |  |  | 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 |  |
| 688041 |  |  | 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 |  |
| 549066 |  |  | 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 |
| 928215 |  |  | 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 |
| 514951 |  |  | 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 |
| 912391 |  |  | 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 |  |
| 529695 |  |  | 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 |
| 151942 |  |  | 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 |  |
| 586612 |  |  | 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 |
| 144807 |  |  | 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 |
| 495971 |  |  | 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 |  |
| 776232 |  |  | 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 |  |
| 273299 |  |  | 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 |  |
| 900321 |  |  | 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 |  |
| 297919 |  |  | 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 |  |
| 730468 |  |  | 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 |  |
| 227316 |  |  | 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 |  |
| 438760 |  |  | 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 |  |
| 927555 |  |  | 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 |
| 631742 |  |  | 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 |
| 312402 |  |  | 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 |
| 514673 |  |  | 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 |  |
| 440063 |  |  | 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 |  |
| 967922 |  |  | 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 |  |
| 379296 |  |  | 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 |  |
| 289967 |  |  | 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 |
| 946366 |  |  | 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 |  |
| 412171 |  |  | 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 |  |
| 791158 |  |  | 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 |
| 883145 |  |  | 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 |
| 348458 |  |  | 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 |
| 984134 |  |  | 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 |  |
| 554084 |  |  | 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 |
| 874517 |  |  | 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 |  |
| 928364 |  |  | 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 |
| 169283 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 562053 |  |  | 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 |
| 379439 |  |  | 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 |
| 600555 |  |  | 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 |  |
| 594762 |  |  | 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 |  |
| 706048 |  |  | 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 |
| 352226 |  |  | 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 |
| 949796 |  |  | 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 |  |
| 527265 |  |  | 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 |  |
| 744651 |  |  | 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 |
| 184083 |  |  | 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 |
| 624666 |  |  | 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 |
| 305021 |  |  | 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 |
| 165787 |  |  | 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 |  |
| 677879 |  |  | 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 |
| 433766 |  |  | 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 |
| 905123 |  |  | 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 |
| 114645 |  |  | 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 |  |
| 764154 |  |  | 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 |
| 121233 |  |  | 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 |  |
| 584073 |  |  | 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 |
| 187326 |  |  | 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 |
| 881552 |  |  | 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 |
| 755945 |  |  | 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 |
| 889454 |  |  | 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 |  |
| 802000 |  |  | 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 |
| 380221 |  |  | 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 |  |
| 958674 |  |  | 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 |
| 166339 |  |  | 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 |  |
| 738659 |  |  | 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 |
| 215080 |  |  | 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 |  |
| 453022 |  |  | 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 |
| 842959 |  |  | 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 |  |
| 871996 |  |  | 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 |
| 306643 |  |  | 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 |
| 297711 |  |  | 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 |
| 774063 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 781378 |  |  | 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 |
| 343765 |  |  | 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 |
| 323806 |  |  | 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 |  |
| 852716 |  |  | 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 |
| 389871 |  |  | 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 |
| 326734 |  |  | 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 |
| 739336 |  |  | 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 |  |
| 251309 |  |  | 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 |
| 614055 |  |  | 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 |
| 253078 |  |  | 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 |
| 887745 |  |  | 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 |
| 888071 |  |  | 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 |  |
| 255903 |  |  | 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 |  |
| 749304 |  |  | 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 |
| 455720 |  |  | 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 |
| 800583 |  |  | 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 |
| 827948 |  |  | 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 |
| 708699 |  |  | 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 |
| 400202 |  |  | 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 |
| 848158 |  |  | 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 |  |
| 734364 |  |  | 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 |  |
| 484655 |  |  | 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 |
| 900820 |  |  | 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 |  |
| 270833 |  |  | 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 |
| 530428 |  |  | 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 |
| 317257 |  |  | 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 |  |
| 957766 |  |  | 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 |  |
| 366870 |  |  | 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 |  |
| 816760 |  |  | 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 |
| 396968 |  |  | 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 |
| 534835 |  |  | 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 | 0 | N/A | Employed |  | No |  | No |  |
| 261335 |  |  | 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 |
| 723864 |  |  | 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 |
| 764982 |  |  | 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 |
| 577724 |  |  | 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 |  |
| 196459 |  |  | 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 |
| 544921 |  |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 691410 |  |  | 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 |
| 271306 |  |  | 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 |
| 816777 |  |  | 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 |  |
| 976048 |  |  | 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 |
| 958615 |  |  | 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 |  | No |  | No |  |
| 373499 |  |  | 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 |  |
| 847035 |  |  | 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 |
| 729597 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 735220 |  |  | 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 |
| 840820 |  |  | 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 |
| 794164 |  |  | 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 |  |
| 710536 |  |  | 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 |  |
| 543969 |  |  | 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 |  |
| 847439 |  |  | 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 |
| 851086 |  |  | 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 |
| 906537 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 241701 |  |  | 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 |
| 122225 |  |  | 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 |
| 543264 |  |  | 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 |  |  |  |  | No |  | Yes | Present |
| 744571 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 223829 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 881109 |  |  | 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 |
| 519082 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 148863 |  |  | 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 |
| 485593 |  |  | 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 |
| 211269 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 888662 |  |  | 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 |
| 347916 |  |  | 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 |
| 587435 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 441463 |  |  | 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 |
| 633514 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 281641 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 447828 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 348550 |  |  | 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 |
| 639436 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 648708 |  |  | 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 |
| 939003 |  |  | 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 |
| 819164 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 263124 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | 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 |  |
| 553190 |  |  | 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 |
| 622417 |  |  | 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 |
| 273987 |  |  | 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 |
| 172792 |  |  | 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 |
| 577700 |  |  | 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 |
| 952808 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 900133 |  |  | 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 |
| 149706 |  |  | 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 |
| 473110 |  |  | 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 |
| 940668 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 796686 |  |  | 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 |
| 791867 |  |  | 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 |
| 921087 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 364259 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 457001 |  |  | 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 |
| 590249 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 533304 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR 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 |  | No |  | No |  |
| 514437 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 475288 |  |  | 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 |
| 415801 |  |  | 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 |
| 318964 |  |  | 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 |
| 476703 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 737522 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 627624 |  |  | 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 |
| 952454 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 676299 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 117610 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 367228 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 762324 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 827548 |  |  | 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 |
| 382360 |  |  | 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 |
| 645386 |  |  | 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 |
| 653793 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | Yes | Yes | No |  |
| 121694 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 244499 |  |  | 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 |
| 964327 |  |  | 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 |
| 358978 |  |  | 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 |
| 858427 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 565104 |  |  | 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 |
| 321349 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 830308 |  |  | 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 |
| 293741 |  |  | 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 |
| 696467 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 211357 |  |  | 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 |
| 227344 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 557351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 867265 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 726554 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 489623 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 411130 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 553335 |  |  | 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 |
| 722577 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 670241 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 932693 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 293612 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 872634 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 190163 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 401519 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 517397 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 812095 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 595356 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 162991 |  |  | 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 |
| 270848 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 728288 |  |  | 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 |
| 849759 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 685549 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 765304 |  |  | 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 |
| 588122 |  |  | 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 |
| 148591 |  |  | 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 |
| 345631 |  |  | 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 |
| 968950 |  |  | 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 |
| 605050 |  |  | 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 |
| 490951 |  |  | 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 |
| 225774 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 245106 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 467406 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 824781 |  |  | 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 |
| 152034 |  |  | 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 |
| 981011 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 689264 |  |  | 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 |
| 741110 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 407300 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 818761 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 338576 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 996795 |  |  | 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 |
| 643670 |  |  | 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 | Yes | Present |
| 368092 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 695086 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 422253 |  |  | 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 |
| 579567 |  |  | 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 |
| 178459 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 146584 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 132099 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 630109 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 582033 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 544321 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 726141 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 655578 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 667833 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 787912 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 932143 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 993794 |  |  | 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 |
| 342119 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 936650 |  |  | 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 |
| 155884 |  |  | 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 |
| 592677 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 627703 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 580195 |  |  | 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 |
| 969114 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 857140 |  |  | 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 |
| 618243 |  |  | 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 |
| 860417 |  |  | 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 |
| 194261 |  |  | 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 |
| 696147 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 876564 |  |  | 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 |
| 545337 |  |  | 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 |
| 393132 |  |  | 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 |
| 999238 |  |  | 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 |
| 559086 |  |  | 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 |
| 725311 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | Yes | N/A |  | 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 |
| 277484 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 |
| 250852 |  |  | 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 |
| 120371 |  |  | 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 |
| 351080 |  |  | 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 |
| 199119 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 576505 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 829762 |  |  | 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 |
| 547468 |  |  | 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 |
| 937216 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 169231 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 337213 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | No | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 941387 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 660381 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 217405 |  |  | 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 |
| 394323 |  |  | 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 |
| 233313 |  |  | 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 |
| 635787 |  |  | 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 |
| 120928 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 975556 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 296865 |  |  | 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 |
| 511966 |  |  | 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 |
| 189324 |  |  | 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 |
| 288009 |  |  | 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 |
| 549185 |  |  | 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 |
| 214713 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 |
| 797562 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 442663 |  |  | 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 |
| 793021 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 623266 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 478105 |  |  | 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 |
| 182382 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 971358 |  |  | 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 |
| 816155 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | Yes | N/A | 0 |  |  |  | No |  | Yes | Present |
| 250285 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 713031 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 653787 |  |  | 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 |
| 676384 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 142904 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 144100 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 979786 |  |  | 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 |
| 381245 |  |  | 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 |
| 853301 |  |  | 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 |
| 943523 |  |  | 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 |
| 130039 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 458611 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 913911 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 243555 |  |  | 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 |
| 202587 |  |  | 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 |
| 732771 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 606414 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 895066 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 555186 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 128791 |  |  | 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 |
| 197673 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 345036 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR 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 | Yes | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 453635 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 573207 |  |  | 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 |
| 247543 |  |  | 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 |
| 255863 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 825342 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 709899 |  |  | 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 |
| 215735 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 985894 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 |  | No |  | No |  |
| 568619 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 290141 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 508501 |  |  | 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 |
| 770062 |  |  | 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 |
| 501213 |  |  | 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 |
| 457326 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 935833 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 122112 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 411037 |  |  | 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 |  |  |  | Yes |  | Yes | Present |
| 500695 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 210977 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 227725 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 486009 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 118067 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 846551 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 408293 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 170767 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 346181 |  |  | 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 |
| 706541 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 785578 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 828954 |  |  | 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 |
| 943391 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 137197 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 318188 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 767285 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 220181 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 562572 |  |  | 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 |
| 791121 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 205107 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 573375 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 347579 |  |  | 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 |
| 642680 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 415889 |  |  | 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 |
| 218521 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 462832 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 334485 |  |  | 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 |
| 143737 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 536689 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 948371 |  |  | 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 |
| 567560 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 119415 |  |  | 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 |
| 843920 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 124158 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 142092 |  |  | 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 |
| 183143 |  |  | 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 |
| 686442 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 328933 |  |  | 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 |
| 433801 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 550498 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 823847 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 659740 |  |  | 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 |
| 453061 |  |  | 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 |
| 163853 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 920767 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 617010 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 790493 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 617000 |  |  | 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 | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 312118 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 716304 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 685294 |  |  | 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 |
| 609808 |  |  | 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 |
| 233775 |  |  | 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 |
| 952368 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 694081 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 |  | Yes |  | Yes | Present |
| 468077 |  |  | 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 |
| 874538 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 719414 |  |  | 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 |
| 863407 |  |  | 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 |
| 378449 |  |  | 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 |
| 606335 |  |  | 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 |
| 409745 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 969579 |  |  | 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 |
| 643970 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 912935 |  |  | 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 |
| 667489 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 664655 |  |  | 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 |
| 953751 |  |  | 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 |
| 322472 |  |  | 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 |
| 167542 |  |  | 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 |
| 351058 |  |  | 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 |
| 539494 |  |  | 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 |
| 851551 |  |  | 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 |
| 432362 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 256570 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 |  | No |  | No |  |

---

## Exhibit 99.2

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.2 - SCHEDULE 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 868096 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 937447 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 321272 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 144324 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 127381 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 900321 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 438760 |  |  | ARM Lifetime Interest Rate Maximum | xxx | xxx |
| 122248 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 562053 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 379439 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 706048 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 802000 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 781378 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 888071 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 455720 |  |  | Borrower 1 Citizen | Foreign National | US Citizen |
| 293612 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 162991 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 969114 |  |  | Borrower 1 Citizen | Foreign National | US Citizen |
| 189324 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 606414 |  |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |
| 345036 |  |  | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |
| 124158 |  |  | Borrower 1 Citizen | Foreign National | US Citizen |
| 953751 |  |  | Borrower 1 First Name | xxx | xxx |
| 706048 |  |  | Borrower 1 FTHB | true | false |
| 211357 |  |  | Borrower 1 FTHB | true | false |
| 433801 |  |  | Borrower 1 FTHB | true | false |
| 716304 |  |  | Borrower 1 FTHB | false | true |
| 863407 |  |  | Borrower 1 FTHB | false | Y |
| 606335 |  |  | Borrower 1 FTHB | true | Y |
| 643970 |  |  | Borrower 1 FTHB | true | Y |
| 953751 |  |  | Borrower 1 FTHB | false | N |
| 543969 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 744571 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 587435 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 633514 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 737522 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 117610 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 867265 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 199119 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 797562 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 979786 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 290141 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 457326 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 567560 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 617010 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 952368 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 887745 |  |  | Borrower 1 SSN | xxx | xxx |
| 685294 |  |  | Borrower 1 SSN | xxx | xxx |
| 713031 |  |  | Borrower 2 Citizen | Permanent Resident Alien | US Citizen |
| 281641 |  |  | Borrower 2 Self-Employment Flag | Unknown | No |
| 643670 |  |  | Borrower 2 Self-Employment Flag | Yes | No |
| 457326 |  |  | Borrower 2 Self-Employment Flag | Yes | No |
| 402970 |  |  | Borrower 2 SSN | xxx | xxx |
| 169039 |  |  | Borrower 2 SSN | xxx | xxx |
| 114400 |  |  | Borrower 2 SSN | xxx | xxx |
| 441463 |  |  | Borrower 2 SSN | xxx | xxx |
| 953751 |  |  | Calculated DSCR | 0.814 | 1.25 |
| 322472 |  |  | Calculated DSCR | 1.089 | 1.29 |
| 719414 |  |  | Final Qualifying Property Value | xxx | xxx |
| 863407 |  |  | Final Qualifying Property Value | xxx | xxx |
| 606335 |  |  | Final Qualifying Property Value | xxx | xxx |
| 409745 |  |  | Final Qualifying Property Value | xxx | xxx |
| 643970 |  |  | Final Qualifying Property Value | xxx | xxx |
| 667489 |  |  | Final Qualifying Property Value | xxx | xxx |
| 167542 |  |  | Final Qualifying Property Value | xxx | xxx |
| 851551 |  |  | Final Qualifying Property Value | xxx | xxx |
| 432362 |  |  | Final Qualifying Property Value | xxx | xxx |
| 256570 |  |  | Final Qualifying Property Value | xxx | xxx |
| 741457 |  |  | First Payment Date | xxx | xxx |
| 944554 |  |  | First Payment Date | xxx | xxx |
| 289967 |  |  | First Payment Date | xxx | xxx |
| 791158 |  |  | First Payment Date | xxx | xxx |
| 883145 |  |  | First Payment Date | xxx | xxx |
| 888662 |  |  | First Payment Date | xxx | xxx |
| 685294 |  |  | First Payment Date | xxx | xxx |
| 794426 |  |  | Interest Rate | xxx | xxx |
| 868096 |  |  | Interest Rate | xxx | xxx |
| 937447 |  |  | Interest Rate | xxx | xxx |
| 321272 |  |  | Interest Rate | xxx | xxx |
| 144324 |  |  | Interest Rate | xxx | xxx |
| 127381 |  |  | Interest Rate | xxx | xxx |
| 743825 |  |  | Interest Rate | xxx | xxx |
| 900321 |  |  | Interest Rate | xxx | xxx |
| 438760 |  |  | Interest Rate | xxx | xxx |
| 685294 |  |  | Interest Rate | xxx | xxx |
| 685294 |  |  | Loan Amount | xxx | xxx |
| 888662 |  |  | Maturity Date | xxx | xxx |
| 685294 |  |  | Maturity Date | xxx | xxx |
| 888662 |  |  | Note Date | xxx | xxx |
| 685294 |  |  | Note Date | xxx | xxx |
| 609808 |  |  | Number of Units | xxx | xxx |
| 543969 |  |  | Primary Appraised Property Value | xxx | xxx |
| 639436 |  |  | Primary Appraised Property Value | xxx | xxx |
| 605050 |  |  | Primary Appraised Property Value | xxx | xxx |
| 928215 |  |  | Primary Mortgage or Rent Times 30 | 1 | 0 |
| 685294 |  |  | Property City | xxx | xxx |
| 883145 |  |  | Property Description | 3 Unit | Detached |
| 348458 |  |  | Property Description | 4 Unit | Detached |
| 562053 |  |  | Property Description | 2 Unit | Detached |
| 624666 |  |  | Property Description | Semi-Detached | Detached |
| 196459 |  |  | Property Description | Detached | Semi-Detached |
| 473110 |  |  | Property Description | Detached | PUD - Semi-Detached |
| 190163 |  |  | Property Description | Detached | PUD - Detached |
| 849759 |  |  | Property Description | Detached | PUD - Detached |
| 936650 |  |  | Property Description | PUD - Detached | Detached |
| 250285 |  |  | Property Description | Attached | PUD - Detached |
| 122112 |  |  | Property Description | 2 Unit | Detached |
| 411037 |  |  | Property Description | 2 Unit | Detached |
| 791121 |  |  | Property Description | Attached | PUD - Detached |
| 573375 |  |  | Property Description | Detached | PUD - Detached |
| 685294 |  |  | Property State | xxx | xxx |
| 273299 |  |  | Property Type | PUD | Single Family Detached |
| 730468 |  |  | Property Type | Two to Four Unit | Condominium |
| 953751 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 322472 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 351058 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 685294 |  |  | Property Zip Code | xxx | xxx |
| 543969 |  |  | Qualifying CLTV | 72.47 | 74.98 |
| 169039 |  |  | Qualifying FICO | xxx | xxx |
| 937618 |  |  | Qualifying FICO | xxx | xxx |
| 121233 |  |  | Qualifying FICO | xxx | xxx |
| 373499 |  |  | Qualifying FICO | xxx | xxx |
| 211269 |  |  | Qualifying FICO | xxx | xxx |
| 447828 |  |  | Qualifying FICO | xxx | xxx |
| 318964 |  |  | Qualifying FICO | xxx | xxx |
| 270848 |  |  | Qualifying FICO | xxx | xxx |
| 490951 |  |  | Qualifying FICO | xxx | xxx |
| 342119 |  |  | Qualifying FICO | xxx | xxx |
| 478105 |  |  | Qualifying FICO | xxx | xxx |
| 713031 |  |  | Qualifying FICO | xxx | xxx |
| 732771 |  |  | Qualifying FICO | xxx | xxx |
| 318188 |  |  | Qualifying FICO | xxx | xxx |
| 218521 |  |  | Qualifying FICO | xxx | xxx |
| 183143 |  |  | Qualifying FICO | xxx | xxx |
| 912935 |  |  | Qualifying FICO | xxx | xxx |
| 113920 |  |  | Qualifying LTV | 63.33 | 0.61 |
| 598876 |  |  | Qualifying LTV | 80 | 0.78 |
| 169039 |  |  | Qualifying LTV | 80 | 0.72 |
| 710558 |  |  | Qualifying LTV | 61.54 | 0.80 |
| 749533 |  |  | Qualifying LTV | 75 | 0.71 |
| 151942 |  |  | Qualifying LTV | 75 | 0.69 |
| 273299 |  |  | Qualifying LTV | 70 | 0.62 |
| 227316 |  |  | Qualifying LTV | 56.72 | 0.54 |
| 927555 |  |  | Qualifying LTV | 80 | 0.78 |
| 631742 |  |  | Qualifying LTV | 80 | 0.74 |
| 967922 |  |  | Qualifying LTV | 75 | 0.71 |
| 118067 |  |  | Qualifying LTV | 67.5 | 69.23 |
| 643970 |  |  | Reviewed Appraised Property Value | xxx | xxx |
| 173635 |  |  | Sales Price | xxx | xxx |

---

## Exhibit 99.2

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.2 - SCHEDULE 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 122248 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 670851 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 741457 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD rider provided. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-See attached Amendment to Mortgage for PUD Rider. - Due Diligence Vendor-12/10/2025 <br>Open-PUD Rider is Missing. Per appraisal, subject is classified as a PUD, however, the legal documents for a PUD Rider were not provided. - Due Diligence Vendor-10/20/2025 |  | Resolved-PUD rider 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<br>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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum<br>Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two 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. |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 741457 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Schedule of Real Estate all Parties Incomplete | Resolved-Updated 1008 and Note provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Updated 1008 & 1003 reflecting new mortgage on xxx Copy of Note included. - Due Diligence Vendor-10/22/2025 <br> Open-Schedule of Real Estate all Parties Incomplete as mortgage statement with xxx(pg 616) reflects the lien on the rental property located at xxx has matured and has become fully due and payable. Per 1003, secured buy a lien with xxx. - Due Diligence Vendor-10/20/2025 |  | Resolved-Updated 1008 and Note provided - Due Diligence Vendor-10/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum<br>Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two 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. |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 741457 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Tax cert & HOI provided. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-xxx insurance dec page & property tax statement attached. - Due Diligence Vendor-10/20/2025 <br> Open-Evidence of Property Tax Missing for the rental property located at xxx- Due Diligence Vendor-10/20/2025 |  | Resolved-Tax cert & HOI provided. - Due Diligence Vendor-10/21/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum<br>Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two 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. |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 741457 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Tax cert & HOI provided. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-xxx insurance dec page & property tax statement uploaded to other condition. - Due Diligence Vendor-10/20/2025 <br> Open-Hazard Insurance Policy is Missing for rental property located at xxx - Due Diligence Vendor-10/20/2025 |  | Resolved-Tax cert & HOI provided. - Due Diligence Vendor-10/21/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum<br>Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two 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. |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 944554 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 830786 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 452620 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 947582 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 805754 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/17/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxx. PDI is required to confirm no damage to the subject property since the appraisal occurred. - Due Diligence Vendor-10/31/2025 |  | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025<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 0.15<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.19 Are Greater Than The Guideline Minimum Of 2 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 680 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 |  | 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 |
| 402970 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxx. PDI is required to confirm no damage to the subject property since the appraisal occure - Due Diligence Vendor-10/31/2025 |  | Resolved-Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.29% 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 141.03 Are Greater Than The Guideline Minimum Of 2 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<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 222045 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 113920 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-11/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxx. PDI is required to confirm no damage to the subject property since the appraisal occurred. - Due Diligence Vendor-10/31/2025 |  | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.26 Are Greater Than The Guideline Minimum Of 2 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 - 10.50 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 63.33% Is Below The Guideline Maximum Of 75% 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 |  | 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 |
| 435544 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 173635 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-11/10/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-10/31/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-11/11/2025<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 0.08<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.73% 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 49.88 Are Greater Than The Guideline Minimum Of 2 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 - 17.73 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> 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 - 17.73 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 984988 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/17/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxx<br> PDI is required to confirm no damage to the subject property since the appraisal occur<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-11/17/2025<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 - 13.24 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.31 Are Greater Than The Guideline Minimum Of 2 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 0.07<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 - 13.25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.5% 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 xxx 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 - 24.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 984988 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-per diem interest charge variance is less than allowed per disclosure - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Lender funded on xxx & it was recorded on xxx. Per xxx per diem disclosure, the borrower acknowledged that they might collect one additional day due to proceeds are disbursed from escrow. Uploaded Final settlement statement & xxx per diem disclosure. - Seller-11/07/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/03/2025 <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 xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Lender funded on xxx & it was recorded on xxx. Per xxx per diem disclosure, the borrower acknowledged that they might collect one additional day due to proceeds are disbursed from escrow. Uploaded Final settlement statement & xxx per diem disclosure. - Seller-11/07/2025 | Resolved-per diem interest charge variance is less than allowed per disclosure - Due Diligence Vendor-11/07/2025<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 - 13.24 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.31 Are Greater Than The Guideline Minimum Of 2 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 0.07<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 - 13.25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.5% 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 680 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 - 24.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 984988 |  | D A C | Closed | xxx | xxx | xxx | 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 for xxx is a Multi-family unit. No HOA - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Uploaded HOA statement for xxx. There is "NO" HOA for xxx which is quadruplex. - Buyer-11/07/2025 <br> Open-HOA is missing for "xxx", & xxx' - Due Diligence Vendor-11/03/2025 |  | Resolved-HOA statement provided for xxx / xxx is a Multi-family unit. No HOA - Due Diligence Vendor-11/07/2025 | 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 - 13.24 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.31 Are Greater Than The Guideline Minimum Of 2 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 0.07<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 - 13.25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.5% 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 680 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 - 24.00 Years |  | Untitled Extract Pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 794426 |  | D A | Closed | xxx | xxx | xxx | 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-11/07/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-11/07/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/31/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/07/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 195.31 Are Greater Than The Guideline Minimum Of 2 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 - 8.20 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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.44% 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 34.86% Is Less Than The Guideline Maximum Of 43% 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 |
| 868096 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 937447 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property documents provided no HOA - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. This is Single Family Residential so there is no HOA. Please refer to property profile & DOT - Buyer-11/10/2025 <br> Open-missing HOA for xxx<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-Property documents provided no HOA - Due Diligence Vendor-11/11/2025<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.48% 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 85.95 Are Greater Than The Guideline Minimum Of 2 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 - 35.08 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 - 26.46 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 |
| 321272 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 144324 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 127381 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 743825 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-11/06/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-11/04/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-11/07/2025<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 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<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 43% 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 - 12.09 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.09 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.06% Is Below The Guideline Maximum Of 70% 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 |
| 256005 |  | 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 |  |  |  |
| 744670 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 598876 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 169039 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/18/2025 <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 of the PCCD has the Credit Report fee and the Flood Certification fee paid to the lender. Although fee is also paid by 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-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/18/2025<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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 43% 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 680 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 |
| 662779 |  | 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 |  |  |  |
| 755496 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Documentation & Explanation provided is sufficient. Thank you. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Originally, they recorded the vesting that contained "revocable trust" (Please see attached original Deed of Trust) so they had to re-record the Deed of Trust. - Buyer-11/06/2025 <br> Open-Consummation date is xxx, however, the Deed of Trust provided contains a Notary Date of xxx. There is no "re-execution/re-recording declaration cover sheet or page 1 verbiage. -- Please provide explanation of date discrepancy. - Due Diligence Vendor-11/05/2025 |  | Resolved-Documentation & Explanation provided is sufficient. Thank you. - Due Diligence Vendor-11/07/2025<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 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.24% 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 680 By Twenty (20) or More Points |  | 11. Deed of Trust.pdf | 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 |
| 294193 |  | 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 |  |  |  |
| 343374 |  | 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 |  |  |  |
| 114400 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 633503 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 710558 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 937618 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 581905 |  | 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 |  |  |  |
| 749533 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 602778 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-CBR provided. Meets Tradeline requirement. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. See attached credit report. The borrower has 3 traditional credit references (xxx, xxx, xxx, and Another xxx) - Buyer-11/06/2025 <br> Open-Credit report is missing in the loan file, as per the guidelines 3 tradelines seasoned for at least 12 months required - Due Diligence Vendor-11/06/2025 |  | Resolved-CBR provided. Meets Tradeline requirement. - Due Diligence Vendor-11/07/2025<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<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<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 - 6.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 Are Greater Than The Guideline Minimum Of 2 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 |
| 602778 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Uploaded credit report - Buyer-11/06/2025 <br> Open-Audited FICO of is less than Guideline FICO of 660 Credit Report is missing in the loan file, hence scores in the credit liabilities screen left blank. - Due Diligence Vendor-11/06/2025 |  | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-11/07/2025 | 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> 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<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 - 6.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 Are Greater Than The Guideline Minimum Of 2 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 |
| 602778 |  | D A | Closed | xxx | xxx | xxx | 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-11/07/2025 <br>Ready for Review-Document Uploaded. Uploaded credit report. - Buyer-11/06/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/06/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/07/2025<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<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<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 - 6.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 Are Greater Than The Guideline Minimum Of 2 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 |
| 602778 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-11/06/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-11/06/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/07/2025<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<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<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 - 6.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 Are Greater Than The Guideline Minimum Of 2 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 |
| 602778 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Uploaded. - Buyer-11/06/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-11/06/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/07/2025<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<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<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 - 6.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 Are Greater Than The Guideline Minimum Of 2 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 |
| 484919 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 963786 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 767611 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Proof of Cure, LOE and delivery xxx, has been provided - Remediation post-closing prior to TPR file review:<br> i. Good faith fee tolerance cures under 1026.19(f)(2) within 60 days of consummation accompanied by a post close CD - no exception cited (Resolved)<br> - Due Diligence Vendor-11/11/2025 <br> Resolved- - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Was included in Disclosure package (p.18-p.27). Uploaded again. - Seller-11/10/2025 <br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. 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-11/08/2025 <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-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. Was included in Disclosure package (p.18-p.27). Uploaded again. - Seller-11/10/2025<br>| Resolved-Proof of Cure, LOE and delivery xxx, has been provided - Remediation post-closing prior to TPR file review:<br> i. Good faith fee tolerance cures under 1026.19(f)(2) within 60 days of consummation accompanied by a post close CD - no exception cited (Resolved)<br> - Due Diligence Vendor-11/11/2025 | 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 - 5.60 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.86% 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 680 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 |
| 767611 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Proof of Cure, LOE and delivery xxx, has been provided - Remediation post-closing prior to TPR file review:<br> i. Good faith fee tolerance cures under 1026.19(f)(2) within 60 days of consummation accompanied by a post close CD - no exception cited (Resolved)<br> - Due Diligence Vendor-11/11/2025 <br> Resolved- - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. This is third time that I am seeing same condition. - Seller-11/10/2025 <br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. 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-11/08/2025 <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-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. This is third time that I am seeing same condition. - Seller-11/10/2025<br>| Resolved-Proof of Cure, LOE and delivery xxx, has been provided - Remediation post-closing prior to TPR file review:<br> i. Good faith fee tolerance cures under 1026.19(f)(2) within 60 days of consummation accompanied by a post close CD - no exception cited (Resolved)<br> - Due Diligence Vendor-11/11/2025 | 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 - 5.60 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.86% 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 680 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 |
| 767611 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Proof of Cure, LOE and delivery xxx, has been provided - Remediation post-closing prior to TPR file review:<br> i. Good faith fee tolerance cures under 1026.19(f)(2) within 60 days of consummation accompanied by a post close CD - no exception cited (Resolved)<br> - Due Diligence Vendor-11/11/2025 <br> Resolved- - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Uploaded post CD that was issued on xxx - Buyer-11/10/2025 <br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. 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-11/08/2025 <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). - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 |  | Resolved-Proof of Cure, LOE and delivery xxx, has been provided - Remediation post-closing prior to TPR file review:<br> i. Good faith fee tolerance cures under 1026.19(f)(2) within 60 days of consummation accompanied by a post close CD - no exception cited (Resolved)<br> - Due Diligence Vendor-11/11/2025 | 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 - 5.60 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.86% 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 680 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 |
| 688041 |  | 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 |  |  |  |
| 549066 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 928215 |  | D A | Closed | xxx | xxx | xxx | 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-11/11/2025 <br> Ready for Review-Document Uploaded. Uploaded (Should be p.13) - Buyer-11/10/2025 <br> Open-Missing HOA statement for xxx - Due Diligence Vendor-11/10/2025 |  | Resolved-HOA statement provided - Due Diligence Vendor-11/11/2025<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 - 9.86 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.88 Are Greater Than The Guideline Minimum Of 2 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 43% 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 - 9.00 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 60% Is Below The Guideline Maximum Of 75% 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 |
| 514951 |  | D A | Closed | xxx | xxx | xxx | 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-11/11/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-11/10/2025 <br>Open-Borrower 1 Credit Report is Missing. Tradeline updated from final 1003 - Due Diligence Vendor-11/08/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 45% 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 - 37.17 Years |  | 11. Credit Report.PDF | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 912391 |  | 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 |  |  |  |
| 529695 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 151942 |  | D A | Closed | xxx | xxx | xxx | 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 Single Family Detached) - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Clerical error on the desk review. Uploaded appraisal report. - Buyer-11/12/2025 <br> Counter-Document Uploaded. The Appraisal desk review states subject property is located in a PUD. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/10/2025 <br> Ready for Review-The subject property is not a PUD. Uploaded part of the Prelim showing as "Single Family Residence" - Buyer-11/10/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-11/08/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - 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 680 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 0.09<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 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 - 5.61 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 |
| 586612 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 144807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 495971 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 776232 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 273299 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 900321 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided shows no damage. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/18/2025 <br> Counter-Yes, a PDI is needed. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Are you requesting current PDI? - Buyer-11/12/2025 <br> Open-property is located in FEMA declared disaster date prior to note date of xxx and after appraisal date xxx. no updated property inspection found in file.<br> xxx (xxx)<br> Incident Period: xxx - xxx<br> Fire Management Assistance Declaration declared on xxx - Due Diligence Vendor-11/12/2025 |  | Resolved-PDI provided shows no damage. - Due Diligence Vendor-11/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.57 Are Greater Than The Guideline Minimum Of 2 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 0.12<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 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 37.91% Is Less Than The Guideline Maximum Of 43% 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 |
| 297919 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 730468 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 227316 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 438760 |  | 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 |  |  |  |
| 927555 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 631742 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 312402 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 514673 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.94 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Per our guideline, we require to have 2 months "P & I" which would be xxx. After the closing funds (xxx), the borrower will have xxx which would cover the required reserves. Uploaded asset calculation worksheet. - Buyer-11/12/2025 <br> Open-Audited Reserves of 1.71 are less than Guideline Required Reserves of 2. total liquid assets xxx<br> housing expese xxx <br> required 2 mos reserves xxx<br> cash to close required from borrower xxx<br> Short on reserves by xxx<br> - Due Diligence Vendor-11/08/2025 |  | Resolved-Audited Reserves of 2.94 are greater than or equal to Guideline Required Reserves of 2 - 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 0.04<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 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.88% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 21. Asset Calculation Worksheet.pdf | 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 |
| 440063 |  | 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 |  |  |  |
| 967922 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 379296 |  | B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 with audited DTI of 28.37% provided. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Updated 1008 & 1003 attached. - Due Diligence Vendor-11/11/2025 <br> Open-DTI variance (audit 28.36% vs lender 46.16%) with 1008 due to Liability xxx xxx xxx which has been paid in full as per Gap credit. Installment xxx - xxx is less than 10 payment. Account has been excluded from DTI. - Due Diligence Vendor-11/07/2025 |  | Resolved-Updated 1008 with audited DTI of 28.37% provided. - Due Diligence Vendor-11/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 58.82% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 20.9 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 28.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.36% 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 |
| 289967 |  | C A | Closed | xxx | xxx | xxx | 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-11/09/2025 <br> Ready for Review-Updated refresh report attached. - Due Diligence Vendor-11/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note date xxx, GAP credit report date = xxx. - Due Diligence Vendor-11/07/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 27.65 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 0.12 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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 946366 |  | 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 |  |  |  |
| 412171 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 791158 |  | D A | Closed | xxx | xxx | xxx | 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-11/13/2025 <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 evidence of EIN - Due Diligence Vendor-11/11/2025 |  | Resolved-Entity Documents 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 172.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 172.4 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 |
| 791158 |  | D A | Closed | xxx | xxx | xxx | 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-11/13/2025 <br>Ready for Review-Fraud report attached. - Due Diligence Vendor-11/13/2025 <br>Open-Missing Third Party Fraud Report (Drive). - Due Diligence Vendor-11/10/2025 |  | Resolved-Third Party Fraud Report is 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 172.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 172.4 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 |
| 883145 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 348458 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 984134 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 554084 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 874517 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 928364 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 169283 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 562053 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 379439 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 600555 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/03/2025 <br> Ready for Review-See attached PCCD showing total recording fees of xxx. - Due Diligence Vendor-12/02/2025 <br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. 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-12/02/2025 <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. na - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-11/28/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/03/2025<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 - 6.55 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.55 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.22 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 19.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 19.57% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.26% 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 |
| 600555 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/03/2025 <br> Ready for Review-PCCD showing total recording fees of xxx uploaded to other condition. - Due Diligence Vendor-12/02/2025 <br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. 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-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <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-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/03/2025<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 - 6.55 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.55 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.22 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 19.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 19.57% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.26% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 600555 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/03/2025 <br> Ready for Review-PCCD showing total recording fees of xxx uploaded to other condition. - Due Diligence Vendor-12/02/2025 <br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. 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-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <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). - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/03/2025<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 - 6.55 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.55 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.22 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 19.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 19.57% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.26% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 600555 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx web search provided for HOA fees - Due Diligence Vendor-12/02/2025 <br> Ready for Review-See attached xxx details showing HOA dues of xxx monthly. - Due Diligence Vendor-12/02/2025 <br> Open-Missing verification of HOA fees for non-subject property; xxx xxx. Per property report, subject is a condominum. File does not evidence monthly HOA fees. - Due Diligence Vendor-12/01/2025 |  | Resolved-xxx web search provided for HOA fees - Due Diligence Vendor-12/02/2025 | 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 - 6.55 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.55 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.22 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 19.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 19.57% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.26% 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 |
| 594762 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 706048 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE provided. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-LOE for credit inquiries attached. - Due Diligence Vendor-12/05/2025 <br>Open-Lender to provide LOX for inquires on credit in the past 120 days (6 inquiries under doc pg #72 need addressed) - Due Diligence Vendor-12/05/2025 |  | Resolved-LOE provided. - Due Diligence Vendor-12/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.67 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 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 |
| 352226 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 949796 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Final CD attached - Due Diligence Vendor-12/05/2025 <br>Open-TRID: Missing Final Closing Disclosure \*\*Lender to provide missing Final Closing Disclosure. Document is needed to complete compliance testing. - Due Diligence Vendor-12/05/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.03 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 17.21% 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 |
| 527265 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 46.55 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Bank statement and updated 1003 with assets attached. - Due Diligence Vendor-01/16/2026 <br> Open-Audited Reserves of 0.77 are less than Guideline Required Reserves of 3 Audited Reserves of 0.77 months are less than Guideline Required Reserves of 3 months. Per post-close CD, borrower received xxx at close. Short reserves of xxx. - Due Diligence Vendor-12/05/2025 |  | Resolved-Audited Reserves of 46.55 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/18/2026<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 - 26.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.24 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> 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.55 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 42.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.55% 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 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> 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 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 - 26.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.24 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 |
| 744651 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 184083 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 624666 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 305021 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 165787 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 677879 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 433766 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 905123 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 114645 |  | D A | Closed | xxx | xxx | xxx | 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 attached. - Due Diligence Vendor-12/11/2025 <br> Counter-The email Confirmation is missing if the borrower is Currently still employed. It only states She is my employee working from xxx. The question asked - Employment status 'Active/inactive" - Due Diligence Vendor-12/08/2025 <br> Ready for Review-VVOE via email updated xxx attached. - Due Diligence Vendor-12/05/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Third party VOE prior to close for borrower from xxx - Due Diligence Vendor-12/05/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/11/2025<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 - 7.15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.27 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 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 | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 764154 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 121233 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 584073 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 187326 |  | C A | Closed | xxx | xxx | xxx | 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 56 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 |
| 881552 |  | C B A | Closed | xxx | xxx | xxx | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: The exception to proceed with a xxx on an investment property has been approved - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Exception approval attached. - Due Diligence Vendor-12/11/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program. Per appraiser subject is Rural. xxx does not allow rural properties & there is no loan exception the loan file. - Due Diligence Vendor-12/10/2025 |  | Waived-Exception granted with supporting comp factors: The exception to proceed with a xxx on an investment property has been approved - 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> 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 31.74 Are Greater Than The Guideline Minimum Of 3 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 Twenty-Four (24) Months Housing History Reviewed With No Late Payments | Borrowers have excellent credit scores – xxx & xxx (credit established 2005 with no history of lates).<br> Property debt services over 1 (at 1.074x).<br> After closing, borrower has 9 months of post-closing reserve (3x the required 3 months). | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 755945 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 889454 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Final 1008 attached - Due Diligence Vendor-12/12/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-12/11/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025<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> 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 39.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.94% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 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 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | 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 |
| 889454 |  | C A | Closed | xxx | xxx | xxx | 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-12/13/2025 <br> Ready for Review-RCE letter from insurer showing xxx estimated replacement cost. - Due Diligence Vendor-12/12/2025 <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-12/12/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/13/2025<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> 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 39.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.94% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 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 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | 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 |
| 802000 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 380221 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 958674 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 166339 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 738659 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 215080 |  | 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 |  |  |  |
| 453022 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 842959 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 871996 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 88.51 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Verified Assets: xxx xxx+ xxx xxx xxx = xxx<br> Funds to Close from Borr: xxx<br> Assets after Closing for Reserves: xxx<br>Verification of assets docs and post-closing HUD-1 attached. Escrow receipt of gift funds show from a different account. - Due Diligence Vendor-12/24/2025 <br> Open-Audited Reserves of 0.55 are less than Guideline Required Reserves of 3 Audited Reserves of are less than Guideline Required Reserves of 3. Total Reserve Amount Shortage - - xxx<br> - Due Diligence Vendor-12/24/2025 |  | Resolved-Audited Reserves of 88.51 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/26/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.74% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.51 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 |
| 306643 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 297711 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 774063 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 781378 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 343765 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 323806 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br>Ready for Review-Final CD attached to other condition. - Due Diligence Vendor-12/31/2025 <br>Open-\*\*\*\* 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-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.27% 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 13.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.6 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 - 5.30 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 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<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 |
| 323806 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/01/2026 <br>Ready for Review-Final CD attached - Due Diligence Vendor-12/31/2025 <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-01/01/2026<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.27% 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 13.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.6 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 - 5.30 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 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<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 |
| 852716 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 389871 |  | C A | Closed | xxx | xxx | xxx | 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-12/31/2025 <br> Ready for Review-See corrected HUD showing xxx settlement date. - Due Diligence Vendor-12/30/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-12/30/2025 |  | 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-12/31/2025 | 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> 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 112.51 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 |
| 326734 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 739336 |  | C A | Closed | xxx | xxx | xxx | 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-01/04/2026 <br> Ready for Review-EOI with xxx effective date attached. - Due Diligence Vendor-01/02/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-01/01/2026 |  | 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-01/04/2026 | 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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.43% 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 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 |
| 251309 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/06/2026 <br>Ready for Review-EOI attached - Due Diligence Vendor-01/05/2026 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-01/02/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 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> 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 | Refinance | NA | N/A | N/A | xxx |
| 614055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 253078 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Final HUD provided - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Final HUD1 attached. - Due Diligence Vendor-01/05/2026 <br>Open-Closing/Settlement Disclosure Missing. - Due Diligence Vendor-01/05/2026 |  | Resolved-Final HUD provided - Due Diligence Vendor-01/08/2026<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 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 52.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 52.15 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 |
| 887745 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Property tax attached - Due Diligence Vendor-01/09/2026 <br>Open-Missing Property Tax Cert Missing completed/evidence Property Tax Cert. - Due Diligence Vendor-01/09/2026 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-01/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 109.8 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 |
| 888071 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received Final CD - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Final CD uploaded to other condition - Due Diligence Vendor-01/12/2026 <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-01/10/2026 |  | Resolved-\*\*Received Final CD - Due Diligence Vendor-01/13/2026<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 - 24.76 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 - 24.77 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<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 |  |  | 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 |
| 888071 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Final CD attached - Due Diligence Vendor-01/12/2026 <br>Open-TRID: Missing Final Closing Disclosure . Provide final CD executed at closing with final figures. At the time of review only the initial CD was provided. Figures were captured from the initial until the final is received and loan is subject to additional conditions. - Due Diligence Vendor-01/09/2026 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/13/2026<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 - 24.76 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 - 24.77 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<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 |  | 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 |
| 255903 |  | C B A | Closed | xxx | xxx | xxx | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: Approval to allow 75% LTV on a Rural Property, Alt Doc, Primary Residence Purchase First Mortgage - The exception to allow 75% LTV on a Rural Property, Alt Doc, Primary Residence Purchase First Mortgage versus max product guideline of 70% LTV has been approved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Exception approval attached. - Due Diligence Vendor-01/13/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% According to the guideline for rural properties, the Maximum LTV allowed is 70%. - Due Diligence Vendor-01/12/2026 |  | Waived-Exception granted with supporting comp factors: Approval to allow 75% LTV on a Rural Property, Alt Doc, Primary Residence Purchase First Mortgage - The exception to allow 75% LTV on a Rural Property, Alt Doc, Primary Residence Purchase First Mortgage versus max product guideline of 70% LTV has been approved - Due Diligence Vendor-01/14/2026<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 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 40.81% 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 | Good credit – xxx FICO, established since 2022.<br> Property is in excellent condition; recently built 2025.<br> Although the subject is classified as rural, the surrounding area and neighborhood characteristics align more closely with a suburban market, supporting strong marketability and collateral stability. | 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 |
| 749304 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 455720 |  | D A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Closing Package | Mortgage not properly executed | Resolved-Corrected Mortgage and LOE from Title Company provided - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Email from title regarding re-recording attached. - Due Diligence Vendor-02/05/2026 <br> Counter-Need page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Corrected mortgage attached. - Due Diligence Vendor-02/04/2026 <br> Open-Mortgage not properly executed. Additional borrower (xxx) added to Mortgage, however, his name was not added to the signature line and he did not execute document. - Due Diligence Vendor-01/14/2026 |  | Resolved-Corrected Mortgage and LOE from Title Company provided - Due Diligence Vendor-02/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.28 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 41.24% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More Original LTV Of 41.24% Is Below The Guideline Maximum Of 60% 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 |
| 455720 |  | D A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-1008 attached. - Due Diligence Vendor-01/14/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-01/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.28 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 41.24% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More Original LTV Of 41.24% Is Below The Guideline Maximum Of 60% 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 |
| 455720 |  | D A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Complete 1003 attached. - Due Diligence Vendor-01/14/2026 <br>Open-The Final 1003 is Incomplete, missing page 7 to Final 1003. - Due Diligence Vendor-01/13/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.28 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 41.24% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More Original LTV Of 41.24% Is Below The Guideline Maximum Of 60% 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 |
| 800583 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 827948 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Signed Loan Agreement provided - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Loan Agreement attached. - Due Diligence Vendor-01/20/2026 <br>Counter-the condition is for missing the "Loan Agreement" - Due Diligence Vendor-01/18/2026 <br>Ready for Review-DOT with all Riders uploaded to other condition. - Due Diligence Vendor-01/16/2026 <br>Open-Missing Loan Agreement. - Due Diligence Vendor-01/16/2026 |  | Resolved-Signed Loan Agreement provided - Due Diligence Vendor-01/21/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.73 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 Point 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 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 65% 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 - 5.17 Years Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 827948 |  | D A | Closed | xxx | xxx | xxx | 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-01/18/2026 <br>Ready for Review-DOT with all Riders uploaded to other condition. - Due Diligence Vendor-01/16/2026 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-01/16/2026 |  | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-01/18/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.73 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 Point 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 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 65% 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 - 5.17 Years Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 827948 |  | D A | Closed | xxx | xxx | xxx | 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-01/18/2026 <br>Ready for Review-DOT with all Riders uploaded to other condition. - Due Diligence Vendor-01/16/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-01/16/2026 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/18/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.73 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 Point 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 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 65% 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 - 5.17 Years Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 827948 |  | D A | Closed | xxx | xxx | xxx | 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-01/18/2026 <br>Ready for Review-DOT with all Riders attached - Due Diligence Vendor-01/16/2026 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-01/16/2026 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/18/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.73 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 Point 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 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 65% 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 - 5.17 Years Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 708699 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 400202 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848158 |  | 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 |  |  |  |
| 734364 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 484655 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-unexpired DL provided - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Unexpired Driver License attached. - Due Diligence Vendor-01/24/2026 <br> Open-USA Patriot Act is provided, but document expiration date is prior to loan application\closing date. Per USA Patriot Act disclosure, xxx licensed expired xxx. Application date xxx & closing date xxx. - Due Diligence Vendor-01/22/2026 |  | Resolved-unexpired DL provided - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 122.82 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 |
| 484655 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Updated 1008 provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-There is no supplemental property insurance. Corrected 1008 attached. - Due Diligence Vendor-01/22/2026 <br> Open-Per final 1008, there is a breakout for Supplemental Property Insurnce in the amount of xxx per month, however, the loan file does not include said policy. - Due Diligence Vendor-01/22/2026 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-01/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 122.82 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 |
| 900820 |  | 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 |  |  |  |
| 270833 |  | C A | Closed | xxx | xxx | xxx | 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-01/29/2026 <br> Ready for Review-See attached Gift Funds Receipt in the amount of xxx - Due Diligence Vendor-01/28/2026 <br> Open-Asset 3 Does Not Meet Guideline Requirements. Missing evidence Gift funds of xxx has been depositied into escrow. See PTF condition on Loan Approval. - Due Diligence Vendor-01/28/2026 |  | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/29/2026<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 530428 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/29/2026 <br> Ready for Review-xxx Gift was removed as it was not needed. Please see attached Final 1003. - Due Diligence Vendor-01/28/2026 <br> Open-Asset 5 Does Not Meet Guideline Requirements Gift funds from xxx in the amount of xxx not verified. - Due Diligence Vendor-01/28/2026 |  | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/29/2026<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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.56% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 63.56% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.14 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 |
| 317257 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 957766 |  | 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 |  |  |  |
| 366870 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 816760 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/29/2026 <br>Ready for Review-See attached purchase contract along with escrow instructions. - Due Diligence Vendor-01/29/2026 <br>Open-Purchase Contract Is Missing to this non-arms length transaction. - Due Diligence Vendor-01/27/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/29/2026<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> 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 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 31.95 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 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.42% 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 396968 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 534835 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 61.16 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/02/2026 <br> Ready for Review-See attached Final 1003 along with VOD showing additional assets for reserves. - Due Diligence Vendor-01/30/2026 <br> Open-Audited Reserves of 2.51 are less than Guideline Required Reserves of 3 Audited Reserves of 2.51 months are less than Guideline Required Reserves of 3 months. Short xxx reserves. - Due Diligence Vendor-01/29/2026 |  | Resolved-Audited Reserves of 61.16 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/02/2026<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 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 6.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.16 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 28.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.09% 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 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 |
| 534835 |  | D A C | Closed | xxx | xxx | xxx | 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-02/02/2026 <br> Ready for Review-See attached evidence of Hazard Insurance showing Effective (xxx) date prior to Disbursement date (xxx) - Due Diligence Vendor-01/30/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-01/29/2026 |  | 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-02/02/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 6.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.16 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 28.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.09% 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 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 |
| 534835 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/02/2026 <br>Ready for Review-See attached Final CD - Due Diligence Vendor-01/30/2026 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. Final 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\*\*\*\* 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-01/29/2026 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/02/2026<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 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 6.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.16 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 28.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.09% 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 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 |
| 261335 |  | C B A | Closed | xxx | xxx | xxx | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: Exception to a 5% reduction to max LTV - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Please see LTV Exception approval attached. - Due Diligence Vendor-01/31/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70%. The xxx matrix requires a 5% reduction to max LTV (cash out max 75%) when property owned less than six months. Property was deeded by xxx to xxx, xxx and recorded xxx. Subject borrower, xxx, is a 35% minority member of said xxx. Due to being a minority member of xxx requires a six month seasoning and a 5% reduction in max ltv. - Due Diligence Vendor-01/29/2026 |  | Waived-Exception granted with supporting comp factors: Exception to a 5% reduction to max LTV - Due Diligence Vendor-02/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 31.77 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 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty<br> Months Reserves Are Greater Than The Guideline Minimum By Six | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 723864 |  | D A | Closed | xxx | xxx | xxx | 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-02/05/2026 <br>Ready for Review-See updated Credit Refresh (Gap Report). - Due Diligence Vendor-02/04/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap Credit Report is Missing. Maximum 10 days eligible. - Due Diligence Vendor-01/29/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2026<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 41.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.16% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 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 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.18 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 |
| 723864 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Final CD provided - Due Diligence Vendor-02/02/2026 <br> Ready for Review-See Final CD for Concurrent Loanxxx xxx showing sufficient funds back to borrower covering balanced on "Open" accounts. - Due Diligence Vendor-01/30/2026 <br> Open-No evidence of required debt payoff of "Open" accounts. Per 1008, see xxx paying open accounts. - Due Diligence Vendor-01/29/2026 |  | Resolved-Final CD provided - Due Diligence Vendor-02/02/2026<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 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 41.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.16% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 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 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.18 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 |
| 723864 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements (escrowed) provided - Due Diligence Vendor-02/02/2026 <br> Ready for Review-See attached mortgage statements for non-subject properties (xxx) showing accounts are escrowed. - Due Diligence Vendor-01/30/2026 <br> Open-Missing terms of financing and verification of taxes, insurance, and/or HOA fees for non-subject property, see also xxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-Mortgage statements (escrowed) provided - Due Diligence Vendor-02/02/2026<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 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 41.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.16% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 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 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.18 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 |
| 764982 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid passport provided - Due Diligence Vendor-02/02/2026 <br> Ready for Review-See attached copy of Passport. - Due Diligence Vendor-01/30/2026 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Identification Documentation Is Missing. USA Patriot doc provided with annotation as used POA. - Due Diligence Vendor-01/29/2026 |  | Resolved-Valid passport provided - Due Diligence Vendor-02/02/2026<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 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> 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 - 19.33 Years Borrower At Current Residence For Five (5) Or More Years - 19.33 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 577724 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-LOE regarding xxx inquiry provided - Due Diligence Vendor-02/14/2026 <br> Ready for Review-LOE attached - Due Diligence Vendor-02/13/2026 <br> Counter-the Condition is asking for an LOE regarding the xxx card inquiry dated xxx listed on the GAP report, Please see the document uploaded in the prior condition dated xxx - Due Diligence Vendor-02/12/2026 <br> Ready for Review-LOE attached - Due Diligence Vendor-02/11/2026 <br> Counter-the Condition is asking for an LOE regarding the xxx card inquiry dated xxx listed on the GAP report - Due Diligence Vendor-02/10/2026 <br> Ready for Review-see attached Gap Report. - Due Diligence Vendor-02/09/2026 <br> Counter-Document Uploaded. Missing LOE regarding inquires listed on GAP report - Due Diligence Vendor-02/04/2026 <br> Ready for Review-See updated Credit Refresh dated xxx - Due Diligence Vendor-02/03/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note date = xxx, GAP cbr = xxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-LOE regarding xxx inquiry provided - Due Diligence Vendor-02/14/2026 | 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.8% 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 - 6.00 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 19.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 3 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 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 |
| 577724 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements (escrowed) provided. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Please see attached Mortgage Statements for non-subject properties showing accounts are escrowed. - Due Diligence Vendor-01/31/2026 <br> Open-Missing terms of financing and verification of taxes, insurance, and/or HOA fees for non-subject property, see also xxx. - Due Diligence Vendor-01/30/2026 |  | Resolved-Mortgage statements (escrowed) provided. - Due Diligence Vendor-02/02/2026<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 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 40.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.8% 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 - 6.00 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 19.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 3 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 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 |
| 196459 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 544921 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 691410 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.04 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/18/2026 <br> Ready for Review-See attached xxx xxx bank statement showing xxx available AFTER xxx funds to close was wired to closing agent, which satisfies reserve requirement. - Due Diligence Vendor-02/17/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Audited Reserves of -0- are less than Guideline Required Reserves of 3 months. - Due Diligence Vendor-01/30/2026 |  | Resolved-Audited Reserves of 6.04 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/18/2026<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 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 691410 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 <br> Ready for Review-See xxx xxx bank statement showing xxx available AFTER xxx funds to close was wired to closing agent, which satisfies reserve requirement. Doc uploaded to other condition. - Due Diligence Vendor-02/17/2026 <br> Open-Asset 1 Does Not Meet Guideline Requirements. xxx acct xxx fails to reflect an owner name. - Due Diligence Vendor-01/30/2026 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/18/2026<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 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 691410 |  | C A | Closed | xxx | xxx | xxx | 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-02/18/2026 <br> Ready for Review-See xxx xxx bank statement showing xxx available AFTER xxx funds to close was wired to closing agent, which satisfies reserve requirement. Doc uploaded to other condition. - Due Diligence Vendor-02/17/2026 <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 required Total Cash to Close xxx. Reserve require also not met. - Due Diligence Vendor-01/30/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/18/2026<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 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 271306 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 816777 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/04/2026 <br> Ready for Review-See updated Final 1003 - Due Diligence Vendor-02/04/2026 <br> Open-Asset 1 Missing - xxx xxx xxx. - Due Diligence Vendor-02/02/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-02/04/2026<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 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 63.45% 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 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.84% 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 - 7.74 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.74 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 | 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 |
| 816777 |  | D A C | Closed | xxx | xxx | xxx | 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-02/04/2026 <br> Ready for Review-See Final Settlement Statement attached along with PCCD. - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/04/2026<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 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 63.45% 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 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.84% 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 - 7.74 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.74 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 | 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 |
| 976048 |  | D A | Closed | xxx | xxx | xxx | 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-02/05/2026 <br> Ready for Review-See Credit Refresh (Gap Report) attached. - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 Gap Credit Report is Missing, Note date = xxx, cbr = xxx. xxx guidelines require a refresher credit update within 10 days of closing. - Due Diligence Vendor-02/04/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2026<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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.67% 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 - 9.94 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.94 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 16.97 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 16.97 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 958615 |  | C A | Closed | xxx | xxx | xxx | 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-02/05/2026 <br> Ready for Review-See Credit Refresh Report attached. - Due Diligence Vendor-02/04/2026 <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-02/03/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/05/2026<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 - 10.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 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 - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 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 |
| 373499 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 847035 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 729597 |  | 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 |  |  |  |
| 735220 |  | D A | Closed | xxx | xxx | xxx | 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-02/06/2026 <br>Ready for Review-attached - Due Diligence Vendor-02/05/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/04/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.26 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 60% Is Below The Guideline Maximum Of 75% 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 |
| 840820 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 794164 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 710536 |  | C A | Closed | xxx | xxx | xxx | 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-02/07/2026 <br> Ready for Review-See attached RCE - Due Diligence Vendor-02/06/2026 <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-02/05/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/07/2026<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> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.98% 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 86.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 86.48 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 |
| 543969 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-PCCD provided - Due Diligence Vendor-02/09/2026 <br> Ready for Review-See Final SS and PCCD - Due Diligence Vendor-02/06/2026 <br> Open-confirm Payoff to xxx; CD indicates being paid off; however, client included it DTI calculation payment xxx- Due Diligence Vendor-02/04/2026 |  | Resolved-PCCD provided - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.28 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 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 30.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.97% 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 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 |  | 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 |
| 543969 |  | C A | Closed | xxx | xxx | xxx | 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-02/07/2026 <br> Ready for Review-See Page 5 of HOI showing RCE. - Due Diligence Vendor-02/06/2026 <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 RCE was not provided - Due Diligence Vendor-02/04/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 19.28 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 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 30.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.97% 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 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 |  | 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 |
| 847439 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851086 |  | D A | Closed | xxx | xxx | xxx | 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-02/15/2026 <br>Ready for Review-Entity docs attached - Due Diligence Vendor-02/13/2026 <br>Counter-Missing Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-02/11/2026 <br>Ready for Review-See attached Operating Agreement - Due Diligence Vendor-02/10/2026 <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-02/09/2026 |  | Resolved-Entity Documents provided - Due Diligence Vendor-02/15/2026<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 700 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.52 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 |
| 906537 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 241701 |  | D A | Closed | xxx | xxx | xxx | 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-02/11/2026 <br>Ready for Review-See attached Final Settlement Statement. This is a wet state funding. - Due Diligence Vendor-02/09/2026 <br>Open-Missing Final Closing Disclosure or Final Settlement Statement. - Due Diligence Vendor-02/06/2026 |  | Resolved-TRID: Final Closing Disclosure or Final Settlement Statement Provided - Due Diligence Vendor-02/11/2026<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> 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> 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 659 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 - 21.75 Years Borrower At Current Residence For Five (5) Or More Years - 21.75 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 122225 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 543264 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.73 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/07/2026 <br> Ready for Review-See Attached xxx Bank Statement - Due Diligence Vendor-02/06/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Audited Reserves of -0- are less than Guideline Required Reserves of 3 months. - Due Diligence Vendor-02/06/2026 |  | Resolved-Audited Reserves of 4.73 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/07/2026<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 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.76% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 52.76% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 543264 |  | C A | Closed | xxx | xxx | xxx | 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-02/07/2026 <br> Ready for Review-See attached updated URLA and Final SS+PCCD. Bank Statement uploaded to other suspense condition. - Due Diligence Vendor-02/06/2026 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. - Due Diligence Vendor-02/06/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/07/2026<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 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.76% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 52.76% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 744571 |  | 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 |  |  |  |
| 223829 |  | C A | Closed | xxx | xxx | xxx | 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-02/11/2026 <br> Ready for Review-See attached updated Gap Report. - Due Diligence Vendor-02/10/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP report date = xxx, Note date = xxx. - Due Diligence Vendor-02/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/11/2026<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 - 12.09 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.09 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.77% 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 - 12.09 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.09 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 | Cash Out - Other | N/A | N/A | xxx |
| 881109 |  | D A | Closed | xxx | xxx | xxx | 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-02/12/2026 <br> Ready for Review-Prop Tax Bill for xxx xxx attached - Due Diligence Vendor-02/11/2026 <br> Open-Missing tax document for REO Property-xxx - Due Diligence Vendor-02/11/2026 |  | Resolved-Tax cert provided - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% 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 - 5.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.48 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 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 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 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 881109 |  | D A | Closed | xxx | xxx | xxx | 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-02/12/2026 <br>Ready for Review-Final CD attached - Due Diligence Vendor-02/11/2026 <br>Open-Missing Final Closing Disclosure or Final Settlement Statement for Subject Property. - Due Diligence Vendor-02/11/2026 |  | Resolved-TRID: Final Closing Disclosure or Final Settlement Statement Provided - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% 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 - 5.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.48 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 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 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 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 881109 |  | D A | Closed | xxx | xxx | xxx | 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-02/12/2026 <br>Ready for Review-VVOE attached - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/11/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% 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 - 5.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.48 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 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 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 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 881109 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Business license showing business operating since xxx attached. - Due Diligence Vendor-02/11/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months. - Due Diligence Vendor-02/11/2026 |  | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% 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 - 5.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.48 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 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 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 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 881109 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-02/12/2026 <br>Ready for Review-P&L statement attached - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-02/11/2026 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% 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 - 5.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.48 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 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 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 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 881109 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/12/2026 <br>Ready for Review-P&L stmt uploaded to other condition. - Due Diligence Vendor-02/11/2026 <br>Open-Income 1 Months Income Verified is Missing Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-02/11/2026 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% 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 - 5.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.48 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 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 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 0.01 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 519082 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 148863 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 485593 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 211269 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/12/2026 <br> Resolved- - Due Diligence Vendor-02/12/2026 <br> Ready for Review-PCCD attached - Due Diligence Vendor-02/11/2026 <br> Open-\*\*\*\*\*\* xxx Per diem interest amount \* Borrower executed documents on xxx, after Final Closing Disclosure interest calculated date of xxx. Please Provided Post Consummation Closing Disclosure with actual disbursement date and accurate final figures. - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.25 Years<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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.21% 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> 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 - 10.76 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 - 12.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.14 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 0.01 |  | 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 |
| 888662 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Closing Package | Missing Closing Package | Resolved-updated Closing documents provided - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Redrawn closing docs attached. - Due Diligence Vendor-04/17/2026 <br>Open-Missing Closing Package Please re-send redrawn closing documents. - Due Diligence Vendor-04/17/2026 |  | Resolved-updated Closing documents provided - Due Diligence Vendor-04/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.75 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 43.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.3% 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 | Purchase | NA | N/A | N/A | xxx |
| 888662 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood cert received. - Due Diligence Vendor-04/17/2026 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-04/17/2026 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Flood cert attached - Due Diligence Vendor-02/12/2026 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-02/12/2026 |  | Resolved-Flood cert received. - Due Diligence Vendor-04/17/2026 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.75 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 43.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.3% 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 | Purchase | NA | N/A | N/A | xxx |
| 347916 |  | D A | Closed | xxx | xxx | xxx | 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-02/13/2026 <br>Ready for Review-Consummation CD attached - Due Diligence Vendor-02/12/2026 <br>Open-Missing Final Closing Disclosure or Final Settlement Statement. - Due Diligence Vendor-02/12/2026 |  | Resolved-TRID: Final Closing Disclosure or Final Settlement Statement Provided - Due Diligence Vendor-02/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.81 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 124.81 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 |
| 587435 |  | 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 |  |  |  |
| 441463 |  | C A | Closed | xxx | xxx | xxx | 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-02/14/2026 <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-02/14/2026 <br> Ready for Review-See attached 1004D. This was initially submitted with Loan Package. - Due Diligence Vendor-02/13/2026 <br> Open-Primary Value Subject Property Appraisal iao xxx is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-02/12/2026 |  | 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-02/14/2026<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> 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 53.02% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 53.02% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 96.65 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 |
| 633514 |  | 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 |  |  |  |
| 281641 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026 <br>Ready for Review-Final 1008 attached. - Due Diligence Vendor-02/13/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.78 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 - 33.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 14.5% 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 14.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 14.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 - 35.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.12 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 |
| 281641 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly closed Loan, Note & Final CD (escrowed) provided - Due Diligence Vendor-02/14/2026 <br> Ready for Review-REO docs for xxx attached. - Due Diligence Vendor-02/13/2026 <br> Open-Missing verification of P&I, taxes, insurance, and/or HOA fees for non-subject property, see also xxx. - Due Diligence Vendor-02/12/2026 |  | Resolved-Newly closed Loan, Note & Final CD (escrowed) provided - Due Diligence Vendor-02/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.78 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 - 33.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 14.5% 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 14.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 14.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 - 35.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.12 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 |
| 281641 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Signed Cert of Trust provided - Due Diligence Vendor-02/14/2026 <br>Ready for Review-Cert of Trustees Under Trust attached. - Due Diligence Vendor-02/13/2026 <br>Open-Trust Certification incomplete and unexecuted. - Due Diligence Vendor-02/12/2026 |  | Resolved-Signed Cert of Trust provided - Due Diligence Vendor-02/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.78 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 - 33.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 14.5% 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 14.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 14.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 - 35.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.12 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 |
| 447828 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/18/2026 <br> Ready for Review-See Funds to Close receipt for xxx - Due Diligence Vendor-02/17/2026 <br> Open-Missing evidence of reciept of xxx Gift xxx. Gift letter in file, however, no evidence of funds provided. - Due Diligence Vendor-02/17/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/18/2026<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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or Calculated DTI Of 25.8% 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 - 7.10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 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 0.01 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 |
| 348550 |  | D A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Final 1008 attached. - Due Diligence Vendor-02/17/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/17/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 30 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 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 60% 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 |
| 639436 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided disbursement date of xxx - Due Diligence Vendor-02/23/2026 <br> Ready for Review-PCCD showing disbursement date of xxx attached. - Due Diligence Vendor-02/20/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-02/14/2026 |  | Resolved-PCCD provided disbursement date of xxx - Due Diligence Vendor-02/23/2026 | 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 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 - 13.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.80 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 - 13.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 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 16.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.38% 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 - 6.08 Years Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 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 |
| 639436 |  | D A | Closed | xxx | xxx | xxx | 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-02/17/2026 <br> Ready for Review-xxx listing shows HOA dues of xxx/monthly. - Due Diligence Vendor-02/17/2026 <br> Open-Missing evidence of HOA fee's for the REO Property Located at the xxx. <br> - Due Diligence Vendor-02/14/2026 |  |  | 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 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 - 13.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.80 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 - 13.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 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 16.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.38% 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 - 6.08 Years Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 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 |
| 639436 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Second Appraisal is Missing | Resolved- - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Attached both appraisals - Due Diligence Vendor-02/17/2026 <br> Open-Second Appraisal is Missing. Subject loan > xxx required second full appraisal. - Due Diligence Vendor-02/16/2026 |  |  | 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 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 - 13.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.80 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 - 13.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 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 16.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.38% 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 - 6.08 Years Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 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 |
| 639436 |  | D A | Closed | xxx | xxx | xxx | 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-02/17/2026 <br>Ready for Review-Bank statement worksheet attached. - Due Diligence Vendor-02/17/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender Income Calculation/Bank Statement Summry sheet for Verify the Non-Business Transactions. - Due Diligence Vendor-02/14/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/17/2026<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> 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 - 13.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.80 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 - 13.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 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 16.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.38% 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 - 6.08 Years Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 9 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 |
| 648708 |  | D A | Closed | xxx | xxx | xxx | 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-02/18/2026 <br>Ready for Review-Final CD signed attached. - Due Diligence Vendor-02/18/2026 <br>Open-Missing Final Closing Disclosure or Final Settlement Statement. - Due Diligence Vendor-02/15/2026 |  | Resolved-TRID: Final Closing Disclosure or Final Settlement Statement Provided - Due Diligence Vendor-02/18/2026<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> 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.37 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 |
| 939003 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 819164 |  | 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 |  |  |  |
| 263124 |  | C A | Closed | xxx | xxx | xxx | 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-02/22/2026 <br> Ready for Review-See attached Gap Report dated xxx - Due Diligence Vendor-02/20/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Refresher Credit: Required within 10 days prior to the Consummation date. Note date = xxx, gap cbr date xxx. - Due Diligence Vendor-02/17/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/22/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.51% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 55.51% 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 41.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.02% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 60.09 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 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 - 25.03 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.03 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | 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 |
| 263124 |  | C A | Closed | xxx | xxx | xxx | 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-02/20/2026 <br> Resolved- - Due Diligence Vendor-02/20/2026 <br> Ready for Review-See attached Final SS along with PCCD - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <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. Cancelation date xxx is same as Final Cd disbursement date, please provide PCCD with the updated disbursement date after cancel date. - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.51% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 55.51% 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 41.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.02% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 60.09 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 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 - 25.03 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.03 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | 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 |
| 553190 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 622417 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 273987 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 172792 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 577700 |  | C B A | Closed | xxx | xxx | xxx | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: The exception to allow up to 70% LTV on an Interest-Only, DSCR, Investment Property, Cash-out Refinance xxx product guideline of 65% LTV has been approved - Due Diligence Vendor-03/03/2026 <br> Ready for Review-See attached exception approval. - Due Diligence Vendor-02/27/2026 <br> Counter-The documentation provided does not state the Exception has been approved. Provided an Approved Lender Exception form with Comp Factors. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-See LTV exception approval attached. - Due Diligence Vendor-02/20/2026 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-02/17/2026 |  | Waived-Exception granted with supporting comp factors: The exception to allow up to 70% LTV on an Interest-Only, DSCR, Investment Property, Cash-out Refinance First Mortgage versus max product guideline of 65% LTV has been approved - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 147.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Good credit – xxx FICO, established since 2011.<br> Subject property owned since 2011. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 952808 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided Snip of xxx confirming application date of xxx in xxx - Due Diligence Vendor-03/18/2026 <br> Counter-Lender to provide evidence of when lender received all 6 data points for a complete application submission. Please provide a copy of your internal compliance test results for review. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-The retail loan officers will often run the borrower's credit to prequal the loan before the loan turns into an actual application. Aside from the URLA, what other document would be acceptable to validate the application? Our system doesn't show when all six data points have been received. - Due Diligence Vendor-03/10/2026 <br> Counter-The documentation attached is insufficient to establish when the lender actually received the six required pieces of information needed to trigger the application date. Without that, there's no way to confirm whether disclosures were issued within the required compliance timeframe. If there is documentation showing when the sixth item was received, please provide it. Otherwise, we cannot substantiate the application date. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Initial 1003 showing application date of xxx attached. - Due Diligence Vendor-02/19/2026 <br> Open-Documentation provided does not include confirmation of the borrower's application date. 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-02/18/2026 |  | Resolved-Lender provided Snip of LOS confirming application date of xxx in xxx - Due Diligence Vendor-03/18/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.1% 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 67.11% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 900133 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 149706 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 473110 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 940668 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Initial CD attached - Due Diligence Vendor-02/20/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Missing Initial 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. - Due Diligence Vendor-02/18/2026 |  | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-02/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 11.13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.28% 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 - 11.12 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 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 |  | 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 |
| 940668 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Lock LE attached. - Due Diligence Vendor-02/20/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 |  | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-02/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 11.13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.28% 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 - 11.12 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 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 |  | 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 |
| 796686 |  | C A | Closed | xxx | xxx | xxx | 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-02/20/2026 <br> Ready for Review-Updated HOI attached. - Due Diligence Vendor-02/20/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-02/19/2026 |  | 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-02/20/2026 | 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 123.74 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 45.29% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 45.29% 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 |
| 791867 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 <br>Ready for Review-HOI attached - Due Diligence Vendor-02/18/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-02/18/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.12 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 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 |
| 921087 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-CD issued within 3 days of consummation , PCCD provided --- - Due Diligence Vendor-02/25/2026 <br> Resolved- - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Partial redraw was due to adding an escrow account, which is not subject to a new waiting period. - Due Diligence Vendor-02/23/2026 <br> Counter-\*\*Received PCCD indicating a closing date of xxx. The original file has some documents executed on xxx and other xxx. Lender to clarify what is the correct closing date. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-PCCD attached. - Due Diligence Vendor-02/21/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxx" 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. ... The FCD date is after the closing date.. please provide all closing disclosures PCCD and delivery disclosures....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"xxx" 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-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-CD issued within 3 days of consummation , PCCD provided --- - Due Diligence Vendor-02/25/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.99 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 - 5.64 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<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.42% 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 |
| 364259 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-\*\*Received NORTC - Due Diligence Vendor-02/24/2026 <br>Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Signed NRTC attached. - Due Diligence Vendor-02/23/2026 <br>Open-Right of Rescission is Missing - Due Diligence Vendor-02/20/2026 |  | Resolved-\*\*Received NORTC - Due Diligence Vendor-02/24/2026 <br>Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/24/2026<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 - 6.29 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 0.05<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.47% 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 41.44% 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 16.52 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 - 9.50 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 |  | 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 |
| 457001 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 590249 |  | D A | Closed | xxx | xxx | xxx | 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-02/25/2026 <br> Ready for Review-See attached Credit Report Refresh dated xxx - Due Diligence Vendor-02/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing /Borrower 1 Gap Credit Report is Missing. Note date = xxx, cbr date = xxx. - Due Diligence Vendor-02/19/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2026<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 - 21.12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.82% 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 - 21.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.12 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 |
| 590249 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/25/2026 <br> Ready for Review-See attached Escrow Instructions - Due Diligence Vendor-02/23/2026 <br> Open-Purchase Contract Is Missing. FSBO purchase from borther. - Due Diligence Vendor-02/19/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/25/2026<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 - 21.12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.82% 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 - 21.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.12 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 |
| 533304 |  | D A | Closed | xxx | xxx | xxx | 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-02/25/2026 <br>Ready for Review-VVOE attached - Due Diligence Vendor-02/23/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. Verbal Verification of Employment within 10 business days prior to the note date required. - Due Diligence Vendor-02/20/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 44.96% 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 |
| 514437 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 475288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 415801 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-lender provided 1003 - Due Diligence Vendor-03/05/2026 <br> Ready for Review-No gift funds were utilized for the transaction – The Wire came from borrower (xxx). See attached 1003 showing no gift funds. - Due Diligence Vendor-03/04/2026 <br> Open-Asset 2 Missing missing gift for xxx; no assets or gift documented in file - Due Diligence Vendor-02/20/2026 |  | Resolved-lender provided 1003 - Due Diligence Vendor-03/05/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 10.82 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 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 |
| 415801 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-lender provided docs for 2 xxx accounts - Due Diligence Vendor-03/05/2026 <br> Ready for Review-See asset statements attached. - Due Diligence Vendor-03/04/2026 <br> Open-Asset 1 Missing Missing assets for xxx indicated on final 1003 and approval. There ere no assets in the file - Due Diligence Vendor-02/20/2026 |  | Resolved-lender provided docs for 2 xxx accounts - Due Diligence Vendor-03/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 10.82 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 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 |
| 415801 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-SSRs attached - Due Diligence Vendor-02/21/2026 <br> Open-per guides xxx; One (1) Full Appraisal + CDA\* if both CU and LCA scores exceed 2.5. File contained an appraisal only - Due Diligence Vendor-02/20/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 10.82 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 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 |
| 318964 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 476703 |  | D B A C | Closed | xxx | xxx | xxx | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See attached Cure Check, Cure LOE, PCCD with Cure and Shipping Label - Due Diligence Vendor-04/09/2026 <br> Counter-Documentation provided is insufficient. The final appraisal charge was disclosed to the borrower on xxx, and the Signature date of the "subject to" appraisal was xxx. The 1004/Final Inspection fee was not disclosed to the borrower until xxx. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The valid event vs timing of the fees disclosed to the borrower makes this subject to 0% tolerance cure in the amount of xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-The revised CD showing the appraisal reinspection fee of xxx estimated was disclosed when it was discovered that a 1004D would be needed, prior to receiving the appraisal recert invoice showing the actual amount of xxx. The reduced amount was disclosed to the borrower on the PCCD. - Due Diligence Vendor-04/03/2026 <br> Counter-\*\*Received PCCD and Final SS with correct fee amount. Finding remains unresolved as we are still missing a valid RESPA/TILA COC reason in relation to the fee. Lender to confirm if they intend to cure the tolerance fail. - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-See attached Final SS and PCCD showing Re-inspection fee in the amount of xxx - Due Diligence Vendor-03/26/2026 <br> Counter-\*\*Received document labeled Change of Circumstance Request. The document alone does not resolve the finding as it does not provide a valid RESPA/TRID COC reason. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-see attached COC - Due Diligence Vendor-03/21/2026 <br> Counter-\*\*Fee amount disclosed is xxx, however, invoice provided in support is for xxx. Lender to provide additional clarification. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-COC & 1004D invoice attached. - Due Diligence Vendor-02/23/2026 <br> Open-\*\*Section B of the Final CD disclosed an Appraisal Fee - reinspection that was not previously disclosed. The original file does not contain a COC in relation to the fee. - Due Diligence Vendor-02/22/2026 <br> Open- - Due Diligence Vendor-02/22/2026 <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-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026<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 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 - 8.11 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 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 - 10.00 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 |  | 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 |
| 476703 |  | D B A C | Closed | xxx | xxx | xxx | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See attached Cure Check, Cure LOE, PCCD with Cure and Shipping Label - Due Diligence Vendor-04/09/2026 <br> Counter-Documentation provided is insufficient. The final appraisal charge was disclosed to the borrower on xxx, and the Signature date of the "subject to" appraisal was xxx. The 1004/Final Inspection fee was not disclosed to the borrower until xxx. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The valid event vs timing of the fees disclosed to the borrower makes this subject to 0% tolerance cure in the amount of xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-The revised CD showing the appraisal reinspection fee of xxx estimated was disclosed when it was discovered that a 1004D would be needed, prior to receiving the appraisal recert invoice showing the actual amount of xxx. The reduced amount was disclosed to the borrower on the PCCD. - Due Diligence Vendor-04/03/2026 <br> Counter-\*\*Received PCCD and Final SS with correct fee amount. Finding remains unresolved as we are still missing a valid RESPA/TILA COC reason in relation to the fee. Lender to confirm if they intend to cure the tolerance fail. - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-See attached Final SS and PCCD showing Re-inspection fee in the amount of xxx - Due Diligence Vendor-03/26/2026 <br> Counter-\*\*Received document labeled Change of Circumstance Request. The document alone does not resolve the finding as it does not provide a valid RESPA/TRID COC reason. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-See attached COC xxx - Due Diligence Vendor-03/21/2026 <br> Counter-\*\*Fee amount disclosed is xxx, however, invoice provided in support is for xxx. Lender to provide additional clarification. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-COC & 1004-D invoice uploaded to other condition. - Due Diligence Vendor-02/23/2026 <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). \*\*Section B of the Final CD disclosed an Appraisal Fee - reinspection that was not previously disclosed. The original file does not contain a valid COC in relation to the fee. - Due Diligence Vendor-02/22/2026 <br> Open- - Due Diligence Vendor-02/22/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026<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 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 - 8.11 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 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 - 10.00 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 |  | 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 |
| 476703 |  | D B A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See attached Cure Check, Cure LOE, PCCD with Cure and Shipping Label. - Due Diligence Vendor-04/09/2026 <br> Counter-Documentation provided is insufficient. The final appraisal charge was disclosed to the borrower on xxx, and the Signature date of the "subject to" appraisal was xxx. The 1004/Final Inspection fee was not disclosed to the borrower until xxx. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The valid event vs timing of the fees disclosed to the borrower makes this subject to 0% tolerance cure in the amount of xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-The revised CD showing the appraisal reinspection fee of xxx estimated was disclosed when it was discovered that a 1004D would be needed, prior to receiving the appraisal recert invoice showing the actual amount of xxx. The reduced amount was disclosed to the borrower on the PCCD. - Due Diligence Vendor-04/03/2026 <br> Counter-\*\*Received PCCD and Final SS with correct fee amount. Finding remains unresolved as we are still missing a valid RESPA/TILA COC reason in relation to the fee. Lender to confirm if they intend to cure the tolerance fail. - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-See attached Final SS and PCCD showing Re-inspection fee in the amount of xxx - Due Diligence Vendor-03/26/2026 <br> Counter-\*\*Received document labeled Change of Circumstance Request. The document alone does not resolve the finding as it does not provide a valid RESPA/TRID COC reason. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-See attached COC xxx - Due Diligence Vendor-03/21/2026 <br> Counter-\*\*Fee amount disclosed is xxx, however, invoice provided in support is for xxx. Lender to provide additional clarification. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-COC & 1004-D invoice uploaded to other condition. - Due Diligence Vendor-02/23/2026 <br> Open-\*\*Section B of the Final CD disclosed an Appraisal Fee - reinspection that was not previously disclosed. The original file does not contain a COC in relation to the fee. - Due Diligence Vendor-02/22/2026 <br> Open- - Due Diligence Vendor-02/22/2026 <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-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Resolved-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026<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 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 - 8.11 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 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 - 10.00 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 |  | 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 |
| 476703 |  | D B A C | Closed | xxx | xxx | xxx | 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-02/26/2026 <br> Ready for Review-Credit refresh dated xxx attached. - Due Diligence Vendor-02/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing GAP credit required 10 day prior to consummation date. Initial credit dated xxx which is 20 days - Due Diligence Vendor-02/20/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/26/2026<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 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 - 8.11 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 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 - 10.00 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 |  | 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 |
| 737522 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Initial CD attached. - Due Diligence Vendor-02/23/2026 <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.<br> - Due Diligence Vendor-02/23/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/25/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 17.08 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 52.8% 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 30.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.88% 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<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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 627624 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 952454 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 676299 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received coc - Due Diligence Vendor-03/02/2026 <br> Resolved- - Due Diligence Vendor-03/02/2026 <br> Ready for Review-COC details attached. - Due Diligence Vendor-02/27/2026 <br> Counter-\*\*Received ICD and PCCD. Updated compliance test resulted in additional finding. Section J lender credits decreased in the Final CD and PCCD. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-02/25/2026 <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). - Due Diligence Vendor-02/25/2026 |  | Resolved-Received coc - Due Diligence Vendor-03/02/2026<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 0.04<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 - 32.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 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 - 11.14 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.82% 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 40.89% 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 |
| 676299 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Initial CD attached. - Due Diligence Vendor-02/24/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial 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.<br> - Due Diligence Vendor-02/23/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-02/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 - 32.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 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 - 11.14 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.82% 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 40.89% 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 |
| 676299 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/25/2026 <br> Ready for Review-PCCD attached - Due Diligence Vendor-02/25/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/23/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 - 32.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 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 - 11.14 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.82% 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 40.89% 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 |
| 117610 |  | 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 |  |  |  |
| 367228 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Please see URLA uploaded on xxx. Gift Funds in the amount of xxx were removed. I've re-attached URLA - Due Diligence Vendor-02/24/2026 <br> Open-Asset 1 Missing. Gift Letter is missing xxx - Due Diligence Vendor-02/22/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-02/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.99% 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 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 |
| 762324 |  | 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 |  |  |  |
| 827548 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 382360 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid PRA card provided - Due Diligence Vendor-02/26/2026 <br>Ready for Review-B1 EAD attached - Due Diligence Vendor-02/24/2026 <br>Open-Borrower 1 Citizenship Documentation Not Provided. Bor is a permanent resident alien without evidence of I-551. File contains for co-mtgr, however, not for borrower. - Due Diligence Vendor-02/22/2026 |  | Resolved-Valid PRA card provided - Due Diligence Vendor-02/26/2026<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 645386 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 653793 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.22 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/03/2026 <br> Ready for Review-xxx transaction history uploaded to other condition. - Due Diligence Vendor-02/27/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Total assets of xxx+xxx mos reserves of xxx for total of xxx. Total verified assets are xxx found on pg 272 - Due Diligence Vendor-02/21/2026 |  | Resolved-Audited Reserves of 4.22 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/03/2026<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 - 16.00 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 - 9.29 Years<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>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 - 9.29 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.32% 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 | Purchase | NA | N/A | N/A | xxx |
| 653793 |  | C A | Closed | xxx | xxx | xxx | 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-03/03/2026 <br> Ready for Review-xxx transaction history showing acct balance xxx as of xxx. - Due Diligence Vendor-02/27/2026 <br> Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Total assets of xxx+xxx mos reserves of xxx for total of xxx. Total verified assets are xxx found on pg 272 - Due Diligence Vendor-02/21/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/03/2026<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 - 16.00 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 - 9.29 Years<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>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 - 9.29 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.32% 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 |
| 121694 |  | C A | Closed | xxx | xxx | xxx | 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-03/05/2026 <br> Ready for Review-Unexpired credit refresh attached. - Due Diligence Vendor-03/04/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note date = xxx, Gap cbr = xxx. - Due Diligence Vendor-02/24/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/05/2026<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> 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 - 5.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.60 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 |
| 244499 |  | C A | Closed | xxx | xxx | xxx | 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 ofxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/03/2026 <br> Ready for Review-PCCD showing xxx disbursement date attached. - Due Diligence Vendor-02/28/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx.<br> Hazard Insurance Effective Date of xxx is after the Disbursement Date ofxxx. - Due Diligence Vendor-02/24/2026 |  | Resolved-Hazard Insurance Effective Date of xxxis prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.87 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 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 964327 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Prelim title attached - Due Diligence Vendor-02/25/2026 <br>Open-Title Document is missing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-02/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.85 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 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 358978 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 858427 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 565104 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 321349 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Signed disclosure attached. - Due Diligence Vendor-02/27/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-02/24/2026 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-03/02/2026<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 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.68 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 |
| 830308 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 293741 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 696467 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/03/2026 <br>Ready for Review-CPA letter attached. - Due Diligence Vendor-02/27/2026 <br>Open-Borrower 1 CPA Letter Missing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/03/2026<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> 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 - 29.04 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.04 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 105.57 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.1% 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 - 15.00 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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.12% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 24.12% 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 |
| 696467 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received Revised LE and Initial CD - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Initial CD attached. - Due Diligence Vendor-02/27/2026 <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-02/27/2026 |  | Resolved-\*\*\*Received Revised LE and Initial CD - Due Diligence Vendor-03/02/2026<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> 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 - 29.04 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.04 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 105.57 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.1% 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 - 15.00 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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.12% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 24.12% 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 |
| 696467 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Revised LE and Initial CD - Due Diligence Vendor-03/02/2026 <br> Resolved- - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Lock LE attached. - Due Diligence Vendor-02/27/2026 <br> Open-\*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/25/2026 |  | Resolved-\*\*\*Received Revised LE and Initial CD - Due Diligence Vendor-03/02/2026<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> 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 - 29.04 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.04 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 105.57 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.1% 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 - 15.00 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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.12% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 24.12% 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 |
| 211357 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 227344 |  | 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 |  |  |  |
| 557351 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 867265 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 726554 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/04/2026 <br>Ready for Review-CPA letter attached. - Due Diligence Vendor-03/02/2026 <br>Open-Borrower 1 CPA Letter Missing. - Due Diligence Vendor-02/27/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/04/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 56.33 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 - 10 Years Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.95% 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 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> 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 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | 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 |
| 726554 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Final URLA attached. - Due Diligence Vendor-02/27/2026 <br> Open-The Final 1003 is Missing. - Due Diligence Vendor-02/27/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/02/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 56.33 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 - 10 Years Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.95% 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 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> 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 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | 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 |
| 489623 |  | 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 |  |  |  |
| 411130 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/04/2026 <br> Resolved- - Due Diligence Vendor-03/04/2026 <br> Ready for Review-See attached COC Details - Due Diligence Vendor-03/03/2026 <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. Cancelation date xxx is same as Final Cd disbursement date, please provide PCCD with the updated disbursement date after cancel date - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/28/2026 <br> Open- - Due Diligence Vendor-02/27/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/04/2026<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 - 40.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.85% 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 720 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 - 27.07 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 |
| 411130 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/04/2026 <br> Resolved- - Due Diligence Vendor-03/04/2026 <br> Ready for Review-See attached Final SS and PCCD. - Due Diligence Vendor-03/03/2026 <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). Revised LE dated xxx reflects Lender Credit Fee xxx however, Final CD dated xxx reflects the Lender Credit Fee xxx The fee has been decreased for Lender Credit. Required valid COC<br> - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/28/2026 <br> Open- - Due Diligence Vendor-02/27/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/04/2026<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 - 40.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.85% 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 720 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 - 27.07 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 |
| 553335 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 722577 |  | 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 |  |  |  |
| 670241 |  | 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 |  |  |  |
| 932693 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 293612 |  | D A | Closed | xxx | xxx | xxx | 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-03/08/2026 <br> Ready for Review-Property is an attached PUD and master policy includes building coverage. Master policy attached. - Due Diligence Vendor-03/07/2026 <br> Counter-CBR provided missing master policy - Due Diligence Vendor-03/05/2026 <br> Ready for Review-See attached Master Insurance Policy covering walls-in back to original built specifications along with HO6 Policy. - Due Diligence Vendor-03/05/2026 <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-03/03/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/08/2026<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 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.41% 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 0.05 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 |
| 293612 |  | D A | Closed | xxx | xxx | xxx | 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-03/05/2026 <br> Ready for Review-See attached Credit Refresh Report (Gap Report) - Due Diligence Vendor-03/05/2026 <br> Open-Borrower 1 Gap Credit Report is Missing, Note = xxx, cbr = xxx, whihc is greater than 10 days. - Due Diligence Vendor-03/03/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2026<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 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.41% 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 0.05 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 |
| 872634 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received cure package. - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-See attached COC, Cure Check LOE and Final SS with PCCD. - Due Diligence Vendor-03/11/2026 <br> Counter-\*\*\*Received COC in relation to the increase to the Discount Points. We are still missing a valid COC reason in relation to the increase to the Transfer Tax increase disclosed in the CD issued xxx and remained through the Final CD. - Due Diligence Vendor-03/06/2026 <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). - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-See attached COC - Due Diligence Vendor-03/05/2026 <br> Open-The following charges have been increased: Points - Loan Discount Fee and Transfer Taxes 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-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <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: Points - Loan Discount Fee and Transfer Taxes 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.<br> - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received cure package. - Due Diligence Vendor-03/13/2026<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% 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 22.21 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 |
| 872634 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received cure package. - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-See attached COC, Cure Check LOE and Final SS with PCCD - Due Diligence Vendor-03/11/2026 <br> Counter-\*\*\*Received COC in relation to the increase to the Discount Points. We are still missing a valid COC reason in relation to the increase to the Transfer Tax increase disclosed in the CD issued xxx and remained through the Final CD. - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-See attached copy of Cure Check - Due Diligence Vendor-03/06/2026 <br> Open-The following charges have been increased: Points - Loan Discount Fee and Transfer Taxes 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-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <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-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received cure package. - Due Diligence Vendor-03/13/2026<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% 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 22.21 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 |
| 872634 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received cure package. - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-See attached COC, Cure LOE and Cure Check - Due Diligence Vendor-03/11/2026 <br> Counter-\*\*\*Received COC in relation to the increase to the Discount Points. We are still missing a valid COC reason in relation to the increase to the Transfer Tax increase disclosed in the CD issued xxx and remained through the Final CD. - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/06/2026 <br> Open-The following charges have been increased: Points - Loan Discount Fee and Transfer Taxes 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-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <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-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received cure package. - Due Diligence Vendor-03/13/2026<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% 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 22.21 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 |
| 190163 |  | 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 |  |  |  |
| 401519 |  | D A | Closed | xxx | xxx | xxx | 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-03/05/2026 <br>Ready for Review-See attached Credit Refresh Report (Gap Report) attached. - Due Diligence Vendor-03/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/03/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2026<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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.17% 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 39.16% 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 - 5.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.68 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 - 6.56 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 517397 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 812095 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD, FSS, and explanation. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-See attached copy of updated Final SS+PCCD+ Copy of Refund Check along with e-mail from Title explaining it was an overcharge to borrower. - Due Diligence Vendor-03/19/2026 <br> Counter-\*\*Received PCCD and FSS. Disbursement dates do not match, PCCD shows xxx and FSS shows xxx, lender to confirm true and correct disbursement date. Additionally, PCCD's Section C contains a Fee labeled Title Refund and payee is the borrower but paid by the borrower. Lender to clarify as well. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-See attached Final SS + PCCD - Due Diligence Vendor-03/16/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved-\*\*Received PCCD, FSS, and explanation. - Due Diligence Vendor-03/25/2026<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 26.14% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 90.24 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 - 17.00 Years Borrower At Current Residence For Five (5) Or More Years - 17.00 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 - 9.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.42 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 |
| 595356 |  | 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 |  |  |  |
| 162991 |  | B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Final 1008 attached. - Due Diligence Vendor-03/09/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-03/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 62.18% 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 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 270848 |  | 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 |  |  |  |
| 728288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849759 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 685549 |  | D A | Closed | xxx | xxx | xxx | 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-03/10/2026 <br>Ready for Review-See attached income worksheet. - Due Diligence Vendor-03/09/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/06/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.78% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.31 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 0.14 |  | 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 |
| 765304 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/08/2026 <br>Ready for Review-See attached Final 1003 - Due Diligence Vendor-03/06/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-03/06/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/08/2026<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 588122 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 148591 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 345631 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-See attached Guaranty Agreement - Due Diligence Vendor-03/11/2026 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-03/10/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-03/11/2026<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 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 - 18.00 Years Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 968950 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-03/10/2026 <br> Ready for Review-See attached Citizenship Documentation: I-94 and Passport. - Due Diligence Vendor-03/09/2026 <br> Open-Borrower 1 Citizenship Documentation Is Missing. Guidelines require passport, valid/eligible Visa, and I-94. As a xxx citizen, Visa is not required & evidence of I-94 present, however, no passport provided. - Due Diligence Vendor-03/06/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.46 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 |
| 605050 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-2nd Full appraisal provided - Due Diligence Vendor-03/08/2026 <br> Ready for Review-2nd appraisal attached. Please disregard the CDA. - Due Diligence Vendor-03/07/2026 <br> Open-Desk Review Value(s) Do Not Adhere To Tolerance Criteria. xxx CDA value is indeterminate, Fannie CU = 3.1, Freddie LCA = not scored. Per guidelines , the CDA must be within 10% variance. As CDA is indeterminate and SSRs do not support, value is outside of tolerance. - Due Diligence Vendor-03/06/2026 |  | Resolved-2nd Full appraisal provided - Due Diligence Vendor-03/08/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Borrower At Current Residence For Five (5) Or More Years - 22.00 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> 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 99.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 99.03 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 | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 490951 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 225774 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received FCD - Due Diligence Vendor-03/10/2026 <br>Ready for Review-See attached Final CD - Due Diligence Vendor-03/09/2026 <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-03/09/2026 |  | Resolved-\*\*Received FCD - Due Diligence Vendor-03/10/2026<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 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 9.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.02 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 - 7.67 Years Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.77% 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 - 9.48 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 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> 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 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | 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 |
| 225774 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-\*\*Received FCD - Due Diligence Vendor-03/10/2026 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/10/2026 <br>Ready for Review-See attached Final CD - Due Diligence Vendor-03/09/2026 <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-03/09/2026 |  | Resolved-\*\*Received FCD - Due Diligence Vendor-03/10/2026 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/10/2026<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 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 9.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.02 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 - 7.67 Years Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.77% 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 - 9.48 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 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> 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 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | 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 |
| 245106 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided with disbursement date of xxx - Due Diligence Vendor-03/19/2026 <br> Ready for Review-See attached Final SS + PCCD. - Due Diligence Vendor-03/19/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx and disbursement date of xxx. - Due Diligence Vendor-03/07/2026 |  | Resolved-PCCD provided with disbursement date of xxx - Due Diligence Vendor-03/19/2026 | 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 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 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> 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 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 18.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.82 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 15.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.70 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payment 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 | Purchase | NA | N/A | N/A | xxx |
| 245106 |  | D A C | Closed | xxx | xxx | xxx | 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-03/12/2026 <br> Resolved- - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached COC along with HOA Invoice. Note: . Broker provided the HOA Docs Invoice on xxx and we sent out the Closing Package on xxx. We sent out the CD within 3 days of discovery - Due Diligence Vendor-03/10/2026 <br> Open-The following charges have been either added or increased: HOA Certification 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-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Open-\*\*The HOA Docs/Cert fee disclosed in Section B of the Final CD was not part of the original baseline set and the original file does not contain a valid COC in relation to this fee. - Due Diligence Vendor-03/08/2026 <br> Open- - Due Diligence Vendor-03/08/2026 <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-03/08/2026 <br> Open- - Due Diligence Vendor-03/08/2026 |  | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2026<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> 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 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> 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 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 18.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.82 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 15.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.70 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payment 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 | Purchase | NA | N/A | N/A | xxx |
| 245106 |  | D A C | Closed | xxx | xxx | xxx | 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-03/12/2026 <br> Resolved- - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached COC along with HOA Invoice. Note: . Broker provided the HOA Docs Invoice on xxx and we sent out the Closing Package on xxx. We sent out the CD within 3 days of discovery - Due Diligence Vendor-03/10/2026 <br> Open-The following charges have been either added or increased: HOA Certification 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-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Open-\*\*The HOA Docs/Cert fee disclosed in Section B of the Final CD was not part of the original baseline set and the original file does not contain a valid COC in relation to this fee. - Due Diligence Vendor-03/08/2026 <br> Open- - Due Diligence Vendor-03/08/2026 <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-03/08/2026 <br> Open- - Due Diligence Vendor-03/08/2026 |  | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2026<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> 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 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> 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 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 18.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.82 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 15.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.70 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payment 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 | Purchase | NA | N/A | N/A | xxx |
| 245106 |  | D A C | Closed | xxx | xxx | xxx | 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-03/12/2026 <br> Resolved- - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached COC along with HOA Invoice. Note: . Broker provided the HOA Docs Invoice on xxx and we sent out the Closing Package on xxx. We sent out the CD within 3 days of discovery - Due Diligence Vendor-03/10/2026 <br> Open-The following charges have been either added or increased: HOA Certification 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-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Open-\*\*The HOA Docs/Cert fee disclosed in Section B of the Final CD was not part of the original baseline set and the original file does not contain a valid COC in relation to this fee. - Due Diligence Vendor-03/08/2026 <br> Open- - Due Diligence Vendor-03/08/2026 <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-03/08/2026 <br> Open- - Due Diligence Vendor-03/08/2026 |  | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2026<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> 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 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> 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 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 18.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.82 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 15.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.70 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payment 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 | Purchase | NA | N/A | N/A | xxx |
| 245106 |  | D A C | Closed | xxx | xxx | xxx | 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-03/10/2026 <br>Ready for Review-See attached Income Worksheet - Due Diligence Vendor-03/09/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Worksheet or Bank Statement Summary. - Due Diligence Vendor-03/07/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/10/2026<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 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 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> 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 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 18.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 18.82 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 15.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.70 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payment 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 | Purchase | NA | N/A | N/A | xxx |
| 467406 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.2 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/10/2026 <br> Ready for Review-See attached Final 1003/URLA - Due Diligence Vendor-03/09/2026 <br> Open-Audited Reserves of 2.71 are less than Guideline Required Reserves of 3 Audited Reserves of 2.71 months are less than Guideline Required Reserves of 3 months or (xxx). - Due Diligence Vendor-03/09/2026 |  | Resolved-Audited Reserves of 4.2 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/10/2026<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 - 25.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Borrower At Current Residence For Five (5) Or More Years - 6.58 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> 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 - 25.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.25 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 24.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 24.11% 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 |
| 467406 |  | D A | Closed | xxx | xxx | xxx | 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-03/10/2026 <br>Ready for Review-See attached Income Worksheet - Due Diligence Vendor-03/09/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Worksheet or Bank Statement Summary - Due Diligence Vendor-03/07/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/10/2026<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 - 25.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Borrower At Current Residence For Five (5) Or More Years - 6.58 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> 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 - 25.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.25 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 24.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 24.11% 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 |
| 824781 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 152034 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 981011 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-See attached Patriot Act. - Due Diligence Vendor-03/19/2026 <br> Counter-Looking for identification usually copy of DL or Patriot Act worksheet showing ID used at closing. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please Waive Condition. See attached Final URLA/1003 showing borrower has xxx - Due Diligence Vendor-03/12/2026 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Citizenship\Residency Documentation Is Missing. - Due Diligence Vendor-03/07/2026 |  | Resolved-USA Patriot Act provided - Due Diligence Vendor-03/19/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 75.3 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 - 6.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 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 |
| 689264 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/12/2026 <br>Ready for Review-See attached Title Commitment. - Due Diligence Vendor-03/12/2026 <br>Open-Title Document is missing - Due Diligence Vendor-03/07/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.64 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 741110 |  | D A C | Closed | xxx | xxx | xxx | 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-03/16/2026 <br>Ready for Review-24 months bank statement worksheet attached. 2nd column shows current 12 months, 3rd column shows previous 12 months. - Due Diligence Vendor-03/13/2026 <br>Counter-Loan file contains 24 months of Business Bank statements however the Income worksheet provided reflects 12 months. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-See attached Income Worksheet - Due Diligence Vendor-03/10/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary. - Due Diligence Vendor-03/10/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.37% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.79 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 9.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 9.93% 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 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | 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 |
| 741110 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-03/13/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-03/10/2026 <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-03/10/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-03/13/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.37% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.79 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 9.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 9.93% 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 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | 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 |
| 741110 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-The document provided states: may be eligible for an automatic extension of your EAD. (xxx) and You qualify for an automatic extension if: (1) the category on your current EAD matches the "Class Requested" listed on this notice, \* and (2) the "Received Date" on this notice is before the "Card Expires" date on your EAD. The Received date is xxx and Expiration date of the Work visa is xxx - Due Diligence Vendor-03/11/2026 <br> Ready for Review-See attached EAD along with I-797C - Due Diligence Vendor-03/11/2026 <br> Open-Borrower Identification Documentation Partially Provided. Borrower is Non Perm Resident Alien. Only ID provided was the drivers license. Provide non perm docs. - Due Diligence Vendor-03/10/2026 |  | Resolved-The document provided states: may be eligible for an automatic extension of your EAD. (xxx) and You qualify for an automatic extension if: (1) the category on your current EAD matches the "Class Requested" listed on this notice, \* and (2) the "Received Date" on this notice is before the "Card Expires" date on your EAD. The Received date is xxx and Expiration date of the Work visa is xxx - Due Diligence Vendor-03/11/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.37% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.79 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 9.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 9.93% 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 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | 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 |
| 407300 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/13/2026 <br> Ready for Review-see attached Final SS and PCCD - Due Diligence Vendor-03/11/2026 <br> Open-\*\*\*\*\*\*\*Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-03/11/2026 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx, and Seller executed Vesting/Warranty Deed on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-03/10/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.01% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 |
| 407300 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/11/2026 <br> Open-\*\*\*\*\*\*\*Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 |  | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.01% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 |
| 407300 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-03/12/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-03/11/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial 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-03/11/2026 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.01% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 |
| 407300 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- - Due Diligence Vendor-03/12/2026 <br> Ready for Review-See attached Final SSand PCCD showing loan funded xxx same as Insurance Policy Effective Date of xxx. - Due Diligence Vendor-03/11/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-03/10/2026 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.01% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 |
| 818761 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 338576 |  | 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 |  |  |  |
| 996795 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 643670 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 368092 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received ICD - Due Diligence Vendor-03/16/2026 <br>Resolved- - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Initial CD attached. - Due Diligence Vendor-03/13/2026 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx" 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. Missing Initial Closing Disclosure. - Due Diligence Vendor-03/13/2026 <br>Open- - Due Diligence Vendor-03/13/2026 |  | Resolved-Received ICD - Due Diligence Vendor-03/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.01 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 37.36% 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 30.27% 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 - 15.09 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.09 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <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-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Resolved-\*\*Received PCCD and FSS - Due Diligence Vendor-03/20/2026 <br> Resolved- - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Please see attached Final SS+PCCD and COC xxx - Due Diligence Vendor-03/19/2026 <br> Counter-\*\*Received the Initial CD. Updated compliance test resulted in additional findings: 1. Final Recording fee increased to xxx at Initial CD and remained through the Final CD that exceeds the 10% threshold. 2. Section J's non-specific lender credits decreased to xxx in the Initial CD and remained through the Final CD at that amount. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee and a valid COC reason in relation to the decrease of the lender credit. - Due Diligence Vendor-03/17/2026 <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-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br>Resolved-\*\*Received PCCD and FSS - Due Diligence Vendor-03/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <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-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Resolved-\*\*Received PCCD and FSS - Due Diligence Vendor-03/20/2026 <br> Resolved- - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Please see attached Final SS+PCCD and COC xxx - Due Diligence Vendor-03/19/2026 <br> Counter-\*\*Received the Initial CD. Updated compliance test resulted in additional findings: 1. Final Recording fee increased to xxx at Initial CD and remained through the Final CD that exceeds the 10% threshold. 2. Section J's non-specific lender credits decreased to xxx in the Initial CD and remained through the Final CD at that amount. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee and a valid COC reason in relation to the decrease of the lender credit. - Due Diligence Vendor-03/17/2026 <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-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br>Resolved-\*\*Received PCCD and FSS - Due Diligence Vendor-03/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <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-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Resolved-\*\*Received PCCD and FSS - Due Diligence Vendor-03/20/2026 <br> Resolved- - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Please see attached Final SS+PCCD and COC xxx - Due Diligence Vendor-03/19/2026 <br> Counter-\*\*Received the Initial CD. Updated compliance test resulted in additional findings: 1. Final Recording fee increased to xxx at Initial CD and remained through the Final CD that exceeds the 10% threshold. 2. Section J's non-specific lender credits decreased to xxx in the Initial CD and remained through the Final CD at that amount. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee and a valid COC reason in relation to the decrease of the lender credit. - Due Diligence Vendor-03/17/2026 <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-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br>Resolved-\*\*Received PCCD and FSS - Due Diligence Vendor-03/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <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 xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 |  | Resolved-\*\*Received COC and missing disclosures - Due Diligence Vendor-04/09/2026<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 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Ready for Review-See attached COC for lender credit on xxx that was disclosed on the initial CD xxx. - Due Diligence Vendor-04/07/2026 <br> Counter-\*\*\*Received COC dated xxx. LE issued xxx does not reflect the decrease in lender credit. Lender to clarify. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Please see attached Final SS+PCCD and COC xxx - Due Diligence Vendor-03/19/2026 <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). - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*\*Received COC - Due Diligence Vendor-04/09/2026<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 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-04/09/2026 <br>Resolved- - Due Diligence Vendor-04/09/2026 <br>Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-04/09/2026 <br>Open- - Due Diligence Vendor-04/09/2026 |  | Resolved-\*\*\*Received COC - Due Diligence Vendor-04/09/2026<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 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided with Disbursement date ofxxx - Due Diligence Vendor-03/20/2026 <br> Ready for Review-See attached Final SS + PCCD - Due Diligence Vendor-03/19/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-03/12/2026 |  | Resolved-PCCD provided with Disbursement date of xxx - Due Diligence Vendor-03/20/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  | 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 |
| 695086 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received ICD - Due Diligence Vendor-03/17/2026 <br>Ready for Review-See attached Initial Disclosure. - Due Diligence Vendor-03/16/2026 <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-03/12/2026 |  | Resolved-Received ICD - Due Diligence Vendor-03/17/2026<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 0.11 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 - 11.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 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 - 11.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.84 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 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.86% 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 |  | 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 |
| 422253 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 579567 |  | B A | Closed | xxx | xxx | xxx | 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-03/16/2026 <br> Ready for Review-Updated 1008 attached. - Due Diligence Vendor-03/13/2026 <br> Open-1008/Underwriting Summary Partially Provided Provide final 1008 showing 73.49% LTV and Loan amount of xxx. Current 1008 in file shows LTV of 74% and loan amount of xxx - Due Diligence Vendor-03/13/2026 <br> Open-1008/Underwriting Summary Partially Provided Provide final 1008 showing final LTV used to qualify of 73.49% - Due Diligence Vendor-03/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/16/2026<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 - 5.93 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 178459 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 146584 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Initial 1003 attached. - Due Diligence Vendor-03/14/2026 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/13/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/16/2026<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> 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 |  | 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 |
| 146584 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.84 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/14/2026 <br>Ready for Review-VOD attached - Due Diligence Vendor-03/14/2026 <br>Open-Audited Reserves of 1.58 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-03/13/2026 |  | Resolved-Audited Reserves of 4.84 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/14/2026<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<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 |  | 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 |
| 146584 |  | D A | Closed | xxx | xxx | xxx | 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-03/14/2026 <br>Ready for Review-Credit refresh attached - Due Diligence Vendor-03/14/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/13/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/14/2026<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<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 |  | 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 |
| 132099 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/25/2026 <br>Ready for Review-See attached Final SS + PCCD - Due Diligence Vendor-03/20/2026 <br>Counter-\*\*Received Initial CD. Updated compliance test results indicate 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-03/18/2026 <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-03/18/2026 <br>Open- - Due Diligence Vendor-03/18/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/25/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 64.97% 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 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> 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 - 17.10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.10 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.87% 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 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | 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 |
| 132099 |  | D A C | Closed | xxx | xxx | xxx | 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-03/23/2026 <br>Ready for Review-See attached Income Worksheet - Due Diligence Vendor-03/20/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary on this bank statement documentation loan. - Due Diligence Vendor-03/13/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/23/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 64.97% 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 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> 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 - 17.10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.10 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.87% 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 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | 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 |
| 132099 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Closing Package | Missing Closing Package | Resolved-\*\*Received ICD - Due Diligence Vendor-03/18/2026 <br>Ready for Review-See attached CD - Due Diligence Vendor-03/16/2026 <br>Open-Missing Closing Package \*\*\*No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-03/15/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-03/18/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 64.97% 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 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> 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 - 17.10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.10 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.87% 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 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | 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 |
| 132099 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Per Guidelines: ≤ xxx One (1) Full Appraisal + CDA\* if both CU and LCA scores exceed 2.5 (CU 2.6 LCA 2.5 Eligible) - Due Diligence Vendor-03/17/2026 <br> Ready for Review-See attached Freddie SSR - Due Diligence Vendor-03/16/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6). - Due Diligence Vendor-03/13/2026 |  | Resolved-Per Guidelines: ≤ $1.5MM One (1) Full Appraisal + CDA\* if both CU and LCA scores exceed 2.5 (CU 2.6 LCA 2.5 Eligible) - Due Diligence Vendor-03/17/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 64.97% 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 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> 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 - 17.10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.10 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.87% 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 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | 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 |
| 630109 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/26/2026 <br> Resolved- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/23/2026 <br> Counter-\*\*Received the Initial CD. Updated compliance test resulted in additional findings - the recording fee increased from xxx to xxx at Initial CD and remained through the Final CD which exceeds the 10% threshold. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee. - Due Diligence Vendor-03/17/2026 <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. \*\*Received the Initial CD. Updated compliance test resulted in additional findings - the recording fee increased from xxx to xxx at Initial CD and remained through the Final CD which exceeds the 10% threshold. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/26/2026<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<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 - 8.06 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% 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 |
| 630109 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/26/2026 <br> Resolved- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/23/2026 <br> Counter-\*\*Received the Initial CD. Updated compliance test resulted in additional findings - the recording fee increased from xxx to xxx at Initial CD and remained through the Final CD which exceeds the 10% threshold. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee. - Due Diligence Vendor-03/17/2026 <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. \*\*Received the Initial CD. Updated compliance test resulted in additional findings - the recording fee increased from xxx to xxx at Initial CD and remained through the Final CD which exceeds the 10% threshold. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/26/2026<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<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 - 8.06 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% 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 |
| 630109 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/26/2026 <br> Resolved- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/23/2026 <br> Counter-\*\*Received the Initial CD. Updated compliance test resulted in additional findings - the recording fee increased from xxx to xxx at Initial CD and remained through the Final CD which exceeds the 10% threshold. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee. - Due Diligence Vendor-03/17/2026 <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). \*\*Received the Initial CD. Updated compliance test resulted in additional findings - the recording fee increased from xxx to xxx at Initial CD and remained through the Final CD which exceeds the 10% threshold. The original file does not contain evidence of a valid COC reason in relation to the increase of the Recording Fee. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/26/2026<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<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 - 8.06 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% 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 |
| 630109 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-03/17/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-03/16/2026 <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-03/16/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-03/17/2026<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> 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 - 8.06 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% 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 |
| 582033 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*received ICD - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Initial CD attached. - Due Diligence Vendor-03/14/2026 <br> Open-\*\*\*\*\*\* Documentation provided does not contain the Initial 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. - Due Diligence Vendor-03/13/2026 |  | Resolved-\*\*\*received ICD - Due Diligence Vendor-03/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.16% 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 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 55.95% 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> 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 |
| 544321 |  | 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 |  |  |  |
| 726141 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/17/2026 <br> Resolved- - Due Diligence Vendor-03/17/2026 <br> Ready for Review-See attached COC along w/ COC CD dated xxx - Due Diligence Vendor-03/16/2026 <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). \*\*\*Lender Credit reduced from xxx to xxx on the FCD , resulting in a 0% tolerance cure in the amount of 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-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/17/2026<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 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.74% 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 58.45% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 58.45% 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 | 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 |
| 655578 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-03/17/2026 <br>Ready for Review-See attached initial CD - Due Diligence Vendor-03/16/2026 <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.<br> - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-03/17/2026<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.26% 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 |
| 655578 |  | D A C | Closed | xxx | xxx | xxx | 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-03/17/2026 <br>Ready for Review-See attached VVOE - Due Diligence Vendor-03/16/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-03/14/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/17/2026<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.26% 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 |
| 667833 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-03/17/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/16/2026 <br> Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx Other Property Insurance Policy, xxx Fair Plan, Effective Date of xxx is after the Note Date of xxx and Disbursement date of xxx. - Due Diligence Vendor-03/16/2026 |  | Resolved-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-03/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 33.56 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 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> 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 0.08 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 | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 667833 |  | C A | Closed | xxx | xxx | xxx | 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 xxxOr Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/17/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/16/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance, xxx, Effective Date of xxx is after the Disbursement Date of xxx and Note date of xxx. - Due Diligence Vendor-03/16/2026 |  | 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-03/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 33.56 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 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> 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 0.08 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 | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 787912 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-03/18/2026 <br>Ready for Review-See attached Right to Select an Attorney Disclosure. - Due Diligence Vendor-03/17/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-03/16/2026 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-03/18/2026<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 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 11.37 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.77% 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 57.69% 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 |
| 932143 |  | D B A | Closed | xxx | xxx | xxx | Resolved | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Corrected form type provided executed by borrowers post consummation - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Correct NRTC forms attached. - Due Diligence Vendor-04/03/2026 <br>Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\*Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-03/17/2026 |  | Resolved-Corrected form type provided executed by borrowers post consummation - Due Diligence Vendor-04/06/2026<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 - 5.93 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.16 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 |
| 932143 |  | D B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/24/2026 <br>Ready for Review-See attached Initial 1003 - Due Diligence Vendor-03/23/2026 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/14/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/24/2026<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 - 5.93 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.16 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 |
| 993794 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 342119 |  | C A | Closed | xxx | xxx | xxx | 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-03/18/2026 <br> Ready for Review-PCCD attached - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/18/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.19% 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<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 - 25.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 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 - 35.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 142.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 142.06 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 - 15.00 Years Borrower At Current Residence For Five (5) Or More Years - 15.00 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 |
| 936650 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/18/2026 <br>Ready for Review-See attached EOI. - Due Diligence Vendor-03/17/2026 <br>Open-Missing Hazard Insurance Policy.<br> - Due Diligence Vendor-03/15/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/18/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.62 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 |
| 155884 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 592677 |  | 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 |  |  |  |
| 627703 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 580195 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid PRA card provided - Due Diligence Vendor-03/18/2026 <br>Ready for Review-See attached Permanent Resident Card. - Due Diligence Vendor-03/17/2026 <br>Open-Missing permanent resident card. - Due Diligence Vendor-03/17/2026 |  | Resolved-Valid PRA card provided - Due Diligence Vendor-03/18/2026<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<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 580195 |  | C A | Closed | xxx | xxx | xxx | 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-03/18/2026 <br> Ready for Review-See attached EOI. - Due Diligence Vendor-03/17/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-03/14/2026 |  | 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-03/18/2026 | 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<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| #N/A |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Docs uploaded to support n/a credit and show escrow - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Escrow Disclosure Statement attached. - Due Diligence Vendor-05/07/2026 <br> Counter-Document Uploaded. Bwr is a Foreign National Purchasing a Second Home - The Rate Lock states Loan was approved using xxx (WVOE) however the Matrix does not address Credit scores for Foreign nationals as Bwr does not have a Fico score and the xxx guidelines only address Foreign nationals regarding Option 2: Written VOE & Maximum number of Properties - For Foreign National is 2.5 million - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Please waive condition. This is xxx loan. See 1008/Transmittal Summary - Due Diligence Vendor-03/24/2026 <br> Open-Missing an established escrow impound account for taxes and insurance. Per xxx guidelines, Impounds / Escrows may not be waived. - Due Diligence Vendor-03/18/2026 |  | Resolved-Docs uploaded to support n/a credit and show escrow - Due Diligence Vendor-05/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.25% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Calculated DTI Of 25.25% Is Less Than The Guideline Maximum Of 49% 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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 12.1 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 857140 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 618243 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 860417 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 194261 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 696147 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 876564 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 545337 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 393132 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 999238 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 559086 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 725311 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-03/30/2026 <br>Resolved- - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Please see attached signed Occupancy Affidavit. - Due Diligence Vendor-03/26/2026 <br>Counter-Apologies for the confusion, Missing Signed Occupancy Affidavit from file, Please provide. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Please waive condition. This is a Rate and Term transaction. Borrower is coming in with funds to close. See attached Final Transmittal Summary (1008) and Settlement Statement. - Due Diligence Vendor-03/21/2026 <br>Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-03/18/2026 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-03/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.11 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 277484 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 250852 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 120371 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 351080 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 199119 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/24/2026 <br>Ready for Review-See attached Appraisal. - Due Diligence Vendor-03/23/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-03/20/2026 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-03/24/2026<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 - 5.82 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 - 12.00 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 0.05<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.25% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% 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 |
| 199119 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/24/2026 <br>Ready for Review-See attached Initial 1003 - Due Diligence Vendor-03/23/2026 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/20/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/24/2026<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 - 5.82 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 - 12.00 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 0.05<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.25% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% 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 |
| 576505 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-03/26/2026 <br> Ready for Review-See attached initial CD - Due Diligence Vendor-03/23/2026 <br> Open-Initial CD is missing.\*\*\*\*Documentation provided does not contain the Initial 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-03/23/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-03/26/2026<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 0.12<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 - 14.21 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.4% 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 - 14.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.18 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 66.05% 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 |  | 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 |
| 576505 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/26/2026 <br> Resolved- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/23/2026 <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. Cancelation date xxx is same as Final Cd disbursement date, please provide PCCD with the updated disbursement date after cancel date.\*\*\*\*\*\*\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 |  | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/26/2026<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 0.12<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 - 14.21 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.4% 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 - 14.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.18 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 66.05% 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 |  | 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 |
| 829762 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 547468 |  | D A | Closed | xxx | xxx | xxx | 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-03/26/2026 <br>Ready for Review-VVOE attached - Due Diligence Vendor-03/25/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing . - Due Diligence Vendor-03/20/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026<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 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 24.91 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 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 937216 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 169231 |  | C A | Closed | xxx | xxx | xxx | 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-03/25/2026 <br> Ready for Review-See attached Final SS + PCCD - Due Diligence Vendor-03/23/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-03/20/2026 |  | 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-03/25/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<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 - 13.21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.25 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 - 13.21 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 - 13.20 Years<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<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 - 8 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.11% 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 |
| 337213 |  | 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 |  |  |  |
| 941387 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 660381 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | NA |  |  |  |
| 217405 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Final HUD provided disbursement date is xxx - Due Diligence Vendor-03/25/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/24/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx HOI effective date is after disbursement date of xxx - please provide proof of coverage for that period. - Due Diligence Vendor-03/21/2026 |  | Resolved-Final HUD provided disbursement date is xxx - Due Diligence Vendor-03/25/2026 | 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.86 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 |
| 217405 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act provided - Due Diligence Vendor-03/25/2026 <br>Ready for Review-See attached USA Patriot Act - Due Diligence Vendor-03/24/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing Driver's License/USA Patriot Act disclosure form are missing from loan file. Please provide one or the other to verify client ID. - Due Diligence Vendor-03/21/2026 |  | Resolved-USA Patriot Act provided - Due Diligence Vendor-03/25/2026<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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.86 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 |
| 217405 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-See attached Business Purpose Disclosure. Reference item #3 - Due Diligence Vendor-03/24/2026 <br>Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Business Purpose Disclosure/Certification is missing from the upload package. Please provide - Due Diligence Vendor-03/21/2026 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-03/25/2026<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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.86 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 |
| 394323 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 233313 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 635787 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 120928 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-\*\*Received disclosure<br> - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Right to Select Attorney attached. - Due Diligence Vendor-03/26/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-03/25/2026 |  | Resolved-\*\*Received disclosure<br> - Due Diligence Vendor-03/30/2026<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 - 14.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 101.67 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.12% 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 - 16.75 Years Borrower At Current Residence For Five (5) Or More Years - 16.75 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 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> 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> 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 0.03 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 |
| 975556 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 296865 |  | C A | Closed | xxx | xxx | xxx | 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-03/25/2026 <br> Ready for Review-See attached Credit Refresh Report xxx - Due Diligence Vendor-03/24/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Refresher Credit Required within 10 days prior to the Consummation date. GAP = xxx, Note =xxx. - Due Diligence Vendor-03/23/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<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> 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 - 5.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.05 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.75% 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 16.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 16.35 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 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 511966 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 189324 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 288009 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 549185 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 214713 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 797562 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Expiration date lined thru, corrected and initialed by borrower - Due Diligence Vendor-04/15/2026 <br> Ready for Review-NRTC attached - Due Diligence Vendor-04/15/2026 <br> Counter-NORTC provided indicates a cancel date of xxx which is less than 3 business days from the closing date of xxx. Lender to clarify. - Due Diligence Vendor-04/08/2026 <br> Counter-NORTC provided indicates a cancel date of xxx which is less than 3 business days from the closing date of xxx. Lender to clarify. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-See attached Notice of Right to Cancel - Due Diligence Vendor-03/30/2026 <br> Open-Right of Rescission is Missing The Notice of Right to Cancel, executed by xxx, has not been provided. - Due Diligence Vendor-03/26/2026 |  | Resolved-Expiration date lined thru, corrected and initialed by borrower - Due Diligence Vendor-04/15/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.98% 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 78.13 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 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.06% Is Below The Guideline Maximum Of 80% 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 0.08 |  | 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 |
| 797562 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Collateral Protection Notice is Missing | Resolved-Disclosure is present. - Due Diligence Vendor-04/07/2026 <br>Open-Collateral Protection Notice is Missing - Due Diligence Vendor-04/01/2026 <br>Resolved-\*\*\*Received discosure - Due Diligence Vendor-04/01/2026 <br>Ready for Review-See attached Collateral Protection Notice - Due Diligence Vendor-03/30/2026 <br>Open-Collateral Protection Notice is Missing \*\*\*\*\*\*\*Please provide entire initial disclosure package for review - Due Diligence Vendor-03/26/2026 |  | Resolved-Disclosure is present. - Due Diligence Vendor-04/07/2026 <br>Resolved-\*\*\*Received discosure - Due Diligence Vendor-04/01/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.98% 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 78.13 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 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.06% Is Below The Guideline Maximum Of 80% 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 0.08 |  | 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 |
| 442663 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 793021 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-ILE & RLE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/06/2026 <br>Ready for Review-TRID disclosures attached - Due Diligence Vendor-04/03/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the initial Loan Estimate 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. \*\*\*\*\*\*Documentation provided does not contain the Loan Estimate and Homeownership Counseling 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 disclosures 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 <br> - Due Diligence Vendor-03/25/2026 |  | Resolved-ILE & RLE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/06/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.85% 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 |
| 793021 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Housing Counselors disclosure attached. - Due Diligence Vendor-04/03/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*Documentation provided does not contain the Loan Estimate and Homeownership Counseling 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 disclosures 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-03/26/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.85% 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 |
| 793021 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Initial URLA attached - Due Diligence Vendor-04/03/2026 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/25/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/06/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.85% 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 |
| 623266 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 478105 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 182382 |  | D A | Closed | xxx | xxx | xxx | 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-03/31/2026 <br>Ready for Review-See attached Gap Report - Due Diligence Vendor-03/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Required within 10 days of closing. - Due Diligence Vendor-03/27/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years Borrower At Current Residence For Five (5) Or More Years - 6.33 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.39% 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.49% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 49.49% Is Below The Guideline Maximum Of 75% 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 0.11 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 - 10.66 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.66 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 - 11.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 16.59 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 |
| 971358 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 816155 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 250285 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 713031 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <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. Cancelation date xxx, please provide PCCD with the updated disbursement date after cancel date. Thank you. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.28% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 653787 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 676384 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 142904 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Revised LE dated xxx along with proof of delivery Cert. - Due Diligence Vendor-04/02/2026 <br> Open-\*\*Loan documents indicate the rate was locked on xxx. We are missing a copy of the Revised Loan Estimate issued within 3 business days of the rate lock date. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx. Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 - 10.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.15% 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 42.18% 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 |
| 142904 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Revised LE dated xxx for rate lock - Due Diligence Vendor-04/02/2026 <br> Open-\*\*Loan documents indicate the rate was locked on xxx. We are missing a copy of the Revised Loan Estimate issued within 3 business days of the rate lock date. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <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). Initial LE dated xxx reflects Points and discounts Fee $0.00 however, Final CD dated xxx reflects the Points and discounts Fee xxx. The fee (xxx) has been increased for Points and discounts Fee which exceeds the 0% tolerance. Required valid COC or cure amount of xxx.<br> - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 - 10.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.15% 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 42.18% 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 |
| 142904 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Revised LE dated xxx along with proof of delivery Cert. - Due Diligence Vendor-04/02/2026 <br> Open-\*\*Loan documents indicate the rate was locked on xxx. We are missing a copy of the Revised Loan Estimate issued within 3 business days of the rate lock date. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <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-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 - 10.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.15% 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 42.18% 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 |
| 142904 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Revised LE dated xxx along with proof of delivery Cert. - Due Diligence Vendor-04/02/2026 <br> Open-\*\*Loan documents indicate the rate was locked on xxx. We are missing a copy of the Revised Loan Estimate issued within 3 business days of the rate lock date. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <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-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 - 10.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.15% 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 42.18% 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 |
| 144100 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.09 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/02/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-03/31/2026 <br> Open-Audited Reserves of 2.1 are less than Guideline Required Reserves of 3 Audited Reserves of 2.64 are less than Guideline Required Reserves of 3. The Gift was for xxx and was not enough to cover all of the payoffs plus have 3 months reserves left over. - Due Diligence Vendor-03/27/2026 |  | Resolved-Audited Reserves of 3.09 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/02/2026<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 - 5.44 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.84% 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 68.42% 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 |
| 979786 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD, First payment letter, HOI & Property report provided. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-See attached Property Profile and EOI for xxx - Due Diligence Vendor-04/01/2026 <br> Counter-Final Cd & First payment letter states not escrowed, Missing Tax Cert & HOI to verify full PITIA - Due Diligence Vendor-04/01/2026 <br> Ready for Review-See attached copy of Note, Final CD and First payment letter for property "xxx" - Due Diligence Vendor-03/31/2026 <br> Counter-Document Uploaded. The Final 1003 reflects a P&I payment of xxx Loan amount of xxx, if this is a newly closed loan, Provide Final HUD/CD/SS, First payment letter and Note to verify monthly P&I for xxx property - Due Diligence Vendor-03/31/2026 <br> Ready for Review-See attached EOI and Property Profile for Property xxx showing Insurance and Taxes. - Due Diligence Vendor-03/30/2026 <br> Open-Missing verification of principal & iterest, taxes, insurance for non-subject property. See simultaneous closing for xxx, xxx. - Due Diligence Vendor-03/30/2026 |  | Resolved-Final CD, First payment letter, HOI & Property report provided. - Due Diligence Vendor-04/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 106.18 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 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> 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 979786 |  | D A | Closed | xxx | xxx | xxx | 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-03/31/2026 <br>Ready for Review-See attached Gap Report. - Due Diligence Vendor-03/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Required within 10 days prior to Consumation date. - Due Diligence Vendor-03/27/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 106.18 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 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> 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 381245 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 853301 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-newly closed Loanxxx) Note, First payment letter, Final CD (not escrowed) HOI & tax cert provided. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-See attached Note, Final CD, First Payment Letter, EOI and Property Profile for Property "xxx" - Due Diligence Vendor-03/31/2026 <br> Counter-Document Uploaded. The Final 1003 reflects a Lien in the amount of xxx with a P&I payment of xxx, If its a newly closed loan, provide Note, Final CD/HUD/SS and First payment letter - Due Diligence Vendor-03/31/2026 <br> Ready for Review-See attached Settlement Statement showing property is Free & Clear - Due Diligence Vendor-03/30/2026 <br> Open-Mortgage Statement is missing for 'xxx' - Due Diligence Vendor-03/30/2026 |  | Resolved-newly closed Loan xxx) Note, First payment letter, Final CD (not escrowed) HOI & tax cert provided. - Due Diligence Vendor-04/01/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 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 - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 99.95 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 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> 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 853301 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/31/2026 <br>Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-03/30/2026 <br>Open-1008/Underwriting Summary Not Provided in file. - Due Diligence Vendor-03/30/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/31/2026<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> 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 99.95 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 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> 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 943523 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI policy & Tax Cert provided - Due Diligence Vendor-03/31/2026 <br> Ready for Review-See attached EOI and Property Taxes - Due Diligence Vendor-03/30/2026 <br> Open-Missing verification of insurance for non-subject property: xxx. - Due Diligence Vendor-03/30/2026 |  | Resolved-HOI policy & Tax Cert provided - Due Diligence Vendor-03/31/2026<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 - 32.80 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.80 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 - 32.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 154.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 154.89 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 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.72% 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 41.17% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 41.17% 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 130039 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 458611 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 913911 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Revised LE dated xxx along with proof of delivery Cert. - Due Diligence Vendor-04/02/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 - 6.22 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.55% 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<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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 243555 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.01 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/02/2026 <br> Ready for Review-See attached Final SS and PCCD. Assets Verified xxx + (Final SS+PCCD Net cash out proceed used as reserves = xxx) = Total xxx - Due Diligence Vendor-04/01/2026 <br> Open-Audited Reserves of 2.03 are less than Guideline Required Reserves of 3 Calculated reserves are insufficient. Required xxx. Verified xxx. Shortfall - xxx. Please provide additional assets to meet minimum reserve requirement. - Due Diligence Vendor-03/31/2026 |  | Resolved-Audited Reserves of 3.01 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/02/2026<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 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 202587 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 732771 |  | 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 |  |  |  |
| 606414 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See Updated Transmittal Summary (1008) and Updated 1003 - Due Diligence Vendor-04/07/2026 <br> Counter-Subject Loan is a second home however UW comment states: For parents; Owner occupied - Due Diligence Vendor-04/07/2026 <br> Ready for Review-See updated Transmittal Summary (1008) - Due Diligence Vendor-04/06/2026 <br> Counter-Provided updated 1008 reflecting Audited DTI of 42.56% - Due Diligence Vendor-04/06/2026 <br> Ready for Review-See updated 1003. Rental Income has been removed. Please waive condition. Thank you. - Due Diligence Vendor-04/02/2026 <br> Open-"xxx" This Property is an investment Property , On 1003 xxx Monthly Rental Income is Given . But there is no document provided in the file such as Lease Agreement, or any rent schedule That can verify the rent of this property - Due Diligence Vendor-03/31/2026 |  | Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-04/08/2026<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 0.09<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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.47% 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 42.56% 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 16.16 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 - 15.00 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 - 11.39 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 606414 |  | D A | Closed | xxx | xxx | xxx | 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-04/02/2026 <br> Ready for Review-See attached RCE - Due Diligence Vendor-04/01/2026 <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. Additional replacement cost of 25% equals xxx which is still inadequate coverage in the amount of xxx. - Due Diligence Vendor-03/31/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/02/2026<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 0.09<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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.47% 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 42.56% 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 16.16 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 - 15.00 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 - 11.39 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 895066 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 555186 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 128791 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 197673 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-04/02/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/01/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the initial 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. <br> - Due Diligence Vendor-03/31/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-04/02/2026<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 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.13% 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 37.47% 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 - 16.19 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 - 16.20 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 |
| 345036 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.39 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached xxx Statement showing additional funds and updated 1003. - Due Diligence Vendor-04/07/2026 <br> Open-Audited Reserves of 1.84 are less than Guideline Required Reserves of 3 Audited Reserves of 1.84 month are less than Guideline Required Reserves of 3 months. Short reserves of xxx. File reflects Gift funds of xxx and borrower own funds of xxx along with EMD verified of xxx. Total cash to close xxx. - Due Diligence Vendor-04/02/2026 |  | Resolved-Audited Reserves of 3.39 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/08/2026<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 0.15 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 42.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.53% 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 |
| 345036 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026 <br>Ready for Review-See attached EOI - Due Diligence Vendor-04/03/2026 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Document is incomplete or missing required policy information. Missing ISAOA listing lender as loss payee and expriation date of policy. - Due Diligence Vendor-04/01/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026<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 0.15 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 42.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.53% 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 |
| 345036 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/03/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure 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-04/02/2026 |  | Resolved-ICD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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 0.15 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 42.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.53% 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 |
| 453635 |  | B A | Closed | xxx | xxx | xxx | 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-04/06/2026 <br> Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-04/03/2026 <br> Open-1008/Underwriting Summary Partially Provided The 1008/Underwriting Summary in the file is not the final 1008. It does not reflect the correct final loan amount, LTV/CLTV/HCLTV and PITIA for the subject property. The 1008 in file reflects loan amount xxx, LTV/CLTV/HCLTV 62.36% and xxx PITIA for the subject. The correct final loan amount is xxx, LTV/CLTV/HCLTV 61.35% and xxx PITIA for the subject. - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 - 15.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.54 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 61.35% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 573207 |  | C A | Closed | xxx | xxx | xxx | 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-04/06/2026 <br> Ready for Review-See attached EOI with Effective date of xxx - Due Diligence Vendor-04/03/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/01/2026 |  | 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-04/06/2026 | 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 700 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.23 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 |
| 247543 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| #N/A |  | D C B A | Closed | xxx | xxx | xxx | 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-04/03/2026 <br> Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-04/03/2026 <br> Open-1008/Underwriting Summary Partially Provided The 1008/Underwriting Summary is not the final 1008. It reflects the incorrect rate and P&I and the property city as xxx instead of xxx. Lender to provide the final 1008 reflecting rate XXX%, P&I of xxx .96 as reflected in the Note and property city as xxx. - Due Diligence Vendor-04/02/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.19 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 - 10.20 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| #N/A |  | D C B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Page 1 of the note showing address corrected has been provided - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See Copy of Note - Due Diligence Vendor-04/03/2026 <br> Open-The Note reflects the property city as xxx instead of xxx. Lender to provide Note reflecting the correct property city. - Due Diligence Vendor-04/02/2026 |  | Resolved-Page 1 of the note showing address corrected has been provided - Due Diligence Vendor-04/03/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.19 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 - 10.20 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| #N/A |  | D C B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Property address is missing or inaccurate | Resolved-PCCD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached PCCD - Due Diligence Vendor-04/03/2026 <br> Open-The Final CD reflects the property city as xxx instead of Xxx. Lender to provide final CD reflecting the correct property city. - Due Diligence Vendor-04/02/2026 |  | Resolved-PCCD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.19 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 - 10.20 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| #N/A |  | D C B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/03/2026 <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-04/02/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.19 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 - 10.20 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 825342 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026 <br>Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-04/02/2026 <br>Open-1008/Underwriting Summary Not Provided 1008 Not Provided in this file. - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026<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 0.02<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 |
| 825342 |  | C A | Closed | xxx | xxx | xxx | 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-04/03/2026 <br>Ready for Review-See attached Credit Refresh Report - Due Diligence Vendor-04/02/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired as per the guideline 10 days is required. - Due Diligence Vendor-04/01/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/03/2026<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 0.02<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 |
| 709899 |  | B A | Closed | xxx | xxx | xxx | 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-04/03/2026 <br> Ready for Review-See attached Transmittal Summary (1008) - Due Diligence Vendor-04/02/2026 <br> Open-1008/Underwriting Summary Partially Provided Final 1008 reflects loan amount of xxx, however note and CD reflect xxx. Please provide a corrected 1008 - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026<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 54.24% 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 - 7.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 215735 |  | D A C | Closed | xxx | xxx | xxx | 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-04/07/2026 <br>Ready for Review-See attached VOM. - Due Diligence Vendor-04/06/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines Housing payment and history are required on all properties owned by the borrower(s). When the borrower is on title to a non-subject property, but is not obligated on the mortgage note, the expenses associated with that property are not required to be included in the DTI ratio calculation. Additionally, a mortgage payment history for that property is not required. <br> • If the mortgage information is not reflected on the credit report, VOM is required. If the <br> property does not have a mortgage, evidence of no mortgage is required.<br>Mortgage information is not listed on credit and is missing - Due Diligence Vendor-04/01/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/07/2026<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 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 - 27.00 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 - 5.23 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 |
| 215735 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/02/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial 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.<br> - Due Diligence Vendor-04/01/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 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 - 5.23 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 |
| 215735 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-04/02/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 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 - 5.23 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 |
| 215735 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 <br> Resolved- - Due Diligence Vendor-04/03/2026 <br> Ready for Review-See attached Revised LE for Rate Lock along with Delivery Cert. - Due Diligence Vendor-04/02/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026<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<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 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 - 5.23 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 |
| 985894 |  | D A | Closed | xxx | xxx | xxx | 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-04/06/2026 <br>Ready for Review-See attached VVOE. - Due Diligence Vendor-04/03/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/02/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 22.84% 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 17.53 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 |
| 985894 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/06/2026 <br>Ready for Review-See attached CPA Letter - Due Diligence Vendor-04/03/2026 <br>Open-Borrower 1 CPA Letter Missing Borrower 1 CPA or Business Narrative Letter Missing - Due Diligence Vendor-04/02/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 22.84% 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 17.53 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 |
| 985894 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Loan statement (escrowed) provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-See attached xxx Mtg Stmt for property xxx showing xxx and Insurance included in payment along with Property Profile showing property type as SFR. - Due Diligence Vendor-04/03/2026 <br> Open-Property xxx, HOA Document Missing <br> - Due Diligence Vendor-04/02/2026 |  | Resolved-Loan statement (escrowed) provided - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 22.84% 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 17.53 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 |
| 568619 |  | C A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received PCCD - Due Diligence Vendor-04/08/2026 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.95 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 - 24.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 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 - 7.24 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<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 - 24.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.14 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 73% 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> 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> 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 31.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.46% 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 568619 |  | C A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/08/2026 <br> Ready for Review-PCCD attached. - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <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 xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*\*\*\*\*\*\* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. <br> - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.95 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 - 24.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 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 - 7.24 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<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 - 24.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.14 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 73% 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> 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> 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 31.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.46% 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 568619 |  | C A B | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Final 1008 attached. - Due Diligence Vendor-04/07/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/03/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.95 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 - 24.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 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 - 7.24 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<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 - 24.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.14 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 73% 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> 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> 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 31.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.46% 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 290141 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/06/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/03/2026 <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-04/03/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.13% 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 0.12 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 | Purchase | NA | N/A | N/A | xxx |
| 508501 |  | C A | Closed | xxx | xxx | xxx | 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-04/15/2026 <br> Ready for Review-See attached updated EOI with Effective date of xxx - Due Diligence Vendor-04/14/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx- Due Diligence Vendor-04/03/2026 |  | 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-04/15/2026 | 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 700 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 770062 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 501213 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-04/06/2026 <br>Ready for Review-See appraiser's license - Due Diligence Vendor-04/03/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-04/03/2026 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-04/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.35 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 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 |
| 457326 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 935833 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/06/2026 <br>Ready for Review-See attached Purchase Contract. - Due Diligence Vendor-04/03/2026 <br>Open-Purchase Contract is Partial copy. Purchase Contract is Partial - Due Diligence Vendor-04/03/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.01 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 |
| 122112 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-HOI Policy & Invoice provided - Due Diligence Vendor-04/07/2026 <br> Ready for Review-See attached EOI Page two showing Billing statement along with Policy's premium of xxx = xxx - Due Diligence Vendor-04/06/2026 <br> Counter-The condition is for Missing Annual Premium for HOI - The Lenders 1008 states xxx per month = xxx however the policy does not reflect that amount. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-See attached EOI - Due Diligence Vendor-04/03/2026 <br> Open-Document is incomplete or missing required policy information. Annual policy premium amount not provided. - Due Diligence Vendor-04/03/2026 |  | Resolved-HOI Policy & Invoice provided - Due Diligence Vendor-04/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower At Current Residence For Five (5) Or More Years - 20.00 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> 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 411037 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 500695 |  | 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 |  |  |  |
| 210977 |  | C A | Closed | xxx | xxx | xxx | 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-04/10/2026 <br> Ready for Review-See Final SS and PCCD showing Disbursement date of xxx - Due Diligence Vendor-04/09/2026 <br> Counter-Subject Loan is a Primary and TRID applies, the PCCD provided has a disbursement date of xxx - Hazard Insurance Effective Date of xxx - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached Final SS and PCCD - Due Diligence Vendor-04/07/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. As per latest document updated. - Due Diligence Vendor-04/03/2026 |  | 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-04/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 210977 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*Received disclosure - Due Diligence Vendor-04/08/2026 <br>Ready for Review-See attached Initial Disclosures along with Delivery Certificate - Due Diligence Vendor-04/07/2026 <br>Open-\*\*\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/03/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*Received disclosure - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 210977 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached Initial Disclosures along with Delivery Certificate and Revised LE dated xxx<br> - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <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). - Due Diligence Vendor-04/03/2026 <br> Open-\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 210977 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached Initial Disclosures along with Delivery Certificate and Revised LE dated xxx - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <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-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 210977 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached Initial Disclosures along with Delivery Certificate and Revised LE dated xxx - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <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-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 210977 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached Initial Disclosures along with Delivery Certificate and Revised LE dated xxx - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/03/2026 <br> Open-\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 210977 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-See attached Initial Disclosures along with Delivery Certificate and Revised LE dated xxx - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*File is missing the Initial Loan Estimate and all other initial disclosures issued within 3 business days from the application date. Lender to provide all initial disclosures including the initial loan estimate and any applicable revised loan estimates and COCs. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*\*Received ILE and initial disclosures. - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 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 - 15.00 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 - 10.70 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<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<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% 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 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 | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 227725 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-This is a wholesale loan. Loan was qualified using broker's Credit Report and re-issue on xxx same day as our application date. - Due Diligence Vendor-04/14/2026 <br> Counter-Missing Initial 1003 at the time the CBR was pulled xxx - The 1003 provided in this condition is e-signed on xxx - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See attached initial 1003. - Due Diligence Vendor-04/08/2026 <br> Open-The Initial 1003 is Missing - Due Diligence Vendor-04/07/2026 |  | Resolved-This is a wholesale loan. Loan was qualified using broker's Credit Report and re-issue on xxx same day as our application date. - Due Diligence Vendor-04/14/2026 | 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.92% 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 - 6.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.17 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 |
| 486009 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 118067 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 846551 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-04/09/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/08/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial 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. <br> - Due Diligence Vendor-04/07/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-04/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.37 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 - 15.00 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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.39% 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 - 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 0.14<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.82% 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 |
| 408293 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-ILE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See attached Initial LE xxx - Due Diligence Vendor-04/08/2026 <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-04/07/2026 |  | Resolved-ILE received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.14% 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<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 44.41% 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 |
| 170767 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/13/2026 <br>Ready for Review-See attached Initial 1003. - Due Diligence Vendor-04/09/2026 <br>Open-The Initial 1003 is Missing \*\*\*\*\*\* Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/08/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/13/2026<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 - 11.53 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 0.18<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.06% Is Below The Guideline Maximum Of 65% 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 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 |  | 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 |
| 170767 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received disclosures - Due Diligence Vendor-04/10/2026 <br>Ready for Review-See attached Initial CD - Due Diligence Vendor-04/09/2026 <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-04/08/2026 |  | Resolved-\*\*\*Received disclosures - Due Diligence Vendor-04/10/2026<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 - 11.53 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 0.18<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.06% Is Below The Guideline Maximum Of 65% 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 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 |  | 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 |
| 346181 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/14/2026 <br>Ready for Review-See attached Initial 1003. - Due Diligence Vendor-04/09/2026 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-04/08/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.58 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 60% 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 706541 |  | 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 |  |  |  |
| 785578 |  | C A | Closed | xxx | xxx | xxx | 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-04/10/2026 <br> Ready for Review-See updated EOI showing Effective Date xxx - Due Diligence Vendor-04/09/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx The Hazard Insurance Effective Date of xxx is after the Disbursement & Note Date of xxx. - Due Diligence Vendor-04/08/2026 |  | Resolved-Hazard Insurance Effective Date of xxxis prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.56% 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 |
| 828954 |  | C A | Closed | xxx | xxx | xxx | 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-04/10/2026 <br> Ready for Review-See UW comments on updated Transmittal Summary (1008). Note: The Gift Funds of xxx are also reflecting on Final 1003. - Due Diligence Vendor-04/10/2026 <br> Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-04/08/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.94% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.54 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 |
| 828954 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/14/2026 <br>Ready for Review-See attached Gift Letter. - Due Diligence Vendor-04/13/2026 <br>Open-Document Uploaded. - Due Diligence Vendor-04/10/2026 <br>Open-Asset 2 Does Not Meet Guideline Requirements Gift letter reflects the incorrect address the gift funds are being used for. - Due Diligence Vendor-04/10/2026 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.94% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.54 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 |
| 828954 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 71.54 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See UW comments on updated Transmittal Summary (1008). Note: The Gift Funds of xxx are also reflecting on Final 1003. - Due Diligence Vendor-04/10/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 need additional reserves- Total Reserve Amount Shortage - xxx<br> - Due Diligence Vendor-04/08/2026 |  | Resolved-Audited Reserves of 71.54 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.94% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.54 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 |
| 943391 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.15 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/17/2026 <br> Ready for Review-See attached 1-month xxx (xxx through xxx) along with Two Transaction Histories. One for xxx xxx and other for xxx xxx from xxx through xxx. <br> xxx xxx xxx shows a starting Balance of xxx and Ending Balance of xxx. On xxx Borrower Transferred xxx from xxx xxx. Account's new balance as of xxx was of xxx. Same day (xxx) xxx funds were wired to Escrow leaving an available balance of xxx.<br> xxx xxx Transaction History shows a starting balance of xxx and on xxx shows the transfer of xxx to xxx xxx. Accounts ending balance of xxx due to the transfer of xxx. - Due Diligence Vendor-04/16/2026 <br> Counter-Document Uploaded. Missing Updated Bank statement/Document for xxx Checking account xxx reflecting an available balance prior to closing of xxx - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Updated Final 1003 attached. - Due Diligence Vendor-04/15/2026 <br> Counter-Document Uploaded. The Bank statements in the loan file for xxx xxx & xxx (savings) are as follows Checking xxx & Savings xxx - On xxx xxx was transferred from Savings xxx to Checking xxx - The updated 1003 reflects Savings account xxx list twice. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-See updated Final 1003 showing the additional reserves. Bank statements were provided with loan package. - Due Diligence Vendor-04/09/2026 <br> Open-Audited Reserves of 1.14 are less than Guideline Required Reserves of 3. No exception in file. - Due Diligence Vendor-04/09/2026 |  | Resolved-Audited Reserves of 6.15 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 5.68 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 |
| 137197 |  | 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 |  |  |  |
| 318188 |  | 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 |  |  |  |
| 767285 |  | 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 |  |  |  |
| 220181 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Divorce Decree provided - Ex spouse was awarded the xxx - Due Diligence Vendor-04/21/2026 <br> Ready for Review-See attached Decree. - Due Diligence Vendor-04/21/2026 <br> Open-The property located at xxx is disclosed in the final 1003 but there is no monthly liability disclosed for the property. The Property Report in file confirms the property is a condo and borrower is the current owner. There is no letter of explanation or documentation to confirm the monthly liability for the property is the responsibility of another or that the property was sold. Auditor included the monthly tax liability for the property (as reflected in the Property Report) in the DTI calculation. Lender to provide documentation of annual insurance premium and HOA dues for the property or documentation to confirm the property is the liability of another or documentation confirming the property is sold. - Due Diligence Vendor-04/09/2026 |  | Resolved-Divorce Decree provided - Ex spouse was awarded the xxx - Due Diligence Vendor-04/21/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.69 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 63.53% 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 32.64% 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 0.06<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 |
| 562572 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 791121 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 205107 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 573375 |  | 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 |  |  |  |
| 347579 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 642680 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 415889 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 218521 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved- - Due Diligence Vendor-04/15/2026 <br> Ready for Review-See UW comments in the attached Transmittal Summary showing UWs Calculation for County Taxes (County's Tax Cert also attached). Also see attached City Tax Cert. - Due Diligence Vendor-04/14/2026 <br> Open-Missing Property Tax Cert Unable to determine how taxes were calculated. Tax cert doesn't match the final 1008. - Due Diligence Vendor-04/13/2026 |  |  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% 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 |
| 218521 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-USA Patriot Act provided - Due Diligence Vendor-04/15/2026 <br>Ready for Review-See attached USA Patriot Act - Due Diligence Vendor-04/14/2026 <br>Open-The file does not contain the completed USA Patriot Act document reflecting the borrower's identification information or a copy of the borrower's identification provided at closing. - Due Diligence Vendor-04/13/2026 |  | Resolved-USA Patriot Act provided - Due Diligence Vendor-04/15/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% 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 |
| 218521 |  | C A | Closed | xxx | xxx | xxx | 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-04/15/2026 <br> Ready for Review-See attached EOI - Due Diligence Vendor-04/14/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-04/13/2026 |  | 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-04/15/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% 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 |
| 462832 |  | 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 |  |  |  |
| 334485 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 143737 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosure - Due Diligence Vendor-04/16/2026 <br>Ready for Review-See attached Initial Disclosures, Initial CD and Revised LE. - Due Diligence Vendor-04/15/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Missing initial 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. <br> - Due Diligence Vendor-04/14/2026 |  | Resolved-\*\*\*Received missing disclosure - Due Diligence Vendor-04/16/2026<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 0.04<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 - 9.28 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.82% 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 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 |
| 536689 |  | C A | Closed | xxx | xxx | xxx | 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-04/17/2026 <br>Ready for Review-See attached Credit Refresh Report along with LOE for credit inquires. - Due Diligence Vendor-04/16/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/14/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.75 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 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 |  | 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 |
| 948371 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 567560 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC and copy of invoice - Due Diligence Vendor-04/23/2026 <br> Resolved- - Due Diligence Vendor-04/23/2026 <br> Ready for Review-COC with 1004D invoice attached. - Due Diligence Vendor-04/22/2026 <br> Open-The following charges have been either added or increased: appraisal reinspection 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-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <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-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 |  | Resolved-\*\*Received COC and copy of invoice - Due Diligence Vendor-04/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.27% 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>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 - 9.12 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 - 20.00 Years<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>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 |  | 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 |
| 567560 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC and copy of invoice - Due Diligence Vendor-04/23/2026 <br> Resolved- - Due Diligence Vendor-04/23/2026 <br> Ready for Review-COC with 1004D invoice uploaded to other condition. - Due Diligence Vendor-04/22/2026 <br> Open-The following charges have been either added or increased: appraisal reinspection 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-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <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-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 |  | Resolved-\*\*Received COC and copy of invoice - Due Diligence Vendor-04/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.27% 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>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 - 9.12 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 - 20.00 Years<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>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 |  |  | 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 |
| 567560 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC and copy of invoice - Due Diligence Vendor-04/23/2026 <br> Resolved- - Due Diligence Vendor-04/23/2026 <br> Ready for Review-COC with 1004D invoice uploaded to other condition. - Due Diligence Vendor-04/22/2026 <br> Open-The following charges have been either added or increased: appraisal reinspection 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-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <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-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 |  | Resolved-\*\*Received COC and copy of invoice - Due Diligence Vendor-04/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.27% 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>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 - 9.12 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 - 20.00 Years<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>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 |  |  | 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 |
| 567560 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Final 1003 attached. - Due Diligence Vendor-04/22/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-04/14/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.27% 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>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 - 9.12 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 - 20.00 Years<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>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 |  | 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 |
| 119415 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 843920 |  | 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 |  |  |  |
| 124158 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/20/2026 <br>Ready for Review-See attached Initial 1003 - Due Diligence Vendor-04/17/2026 <br>Open-The Initial 1003 is Missing The borrower's Initial 1003 is missing. - Due Diligence Vendor-04/15/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.95 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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.2% 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 |
| 124158 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*received revised LE - Due Diligence Vendor-04/20/2026 <br> Resolved- - Due Diligence Vendor-04/20/2026 <br> Ready for Review-See attached Re-Disclosed LE xxx - Due Diligence Vendor-04/17/2026 <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 ($0.00) 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). \*\*\*\*\*\*\*The curative Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of 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-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*received revised LE - Due Diligence Vendor-04/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.95 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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.2% 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 |
| 142092 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 183143 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Valid DL provided - Due Diligence Vendor-04/20/2026 <br>Ready for Review-See attached copy of DL - Due Diligence Vendor-04/17/2026 <br>Open-Please provide the updated id - Due Diligence Vendor-04/15/2026 |  | Resolved-Valid DL provided - Due Diligence Vendor-04/20/2026<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 - 30.50 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 - 5.49 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.01 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 42.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 686442 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 328933 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Signed Note provided (signed as INDV) - Due Diligence Vendor-04/20/2026 <br>Ready for Review-See attached Copy of Note along with a copy of Guaranty Agreement - Due Diligence Vendor-04/17/2026 <br>Open-Missing signed and dated Note including business entity with title. - Due Diligence Vendor-04/16/2026 |  | Resolved-Signed Note provided (signed as INDV) - Due Diligence Vendor-04/20/2026<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> 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| #N/A |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/04/2026 <br> Resolved- - Due Diligence Vendor-05/04/2026 <br> Ready for Review-See attached xxx xxx Transaction History from xxx through xxx - Due Diligence Vendor-05/04/2026 <br> Open-Asset 2 Does Not Meet Guideline Requirements There is a gap between the end of the bank statement (xxx) and the beginning of the transaction history (xxx) for xxx checking account xxx. Lender to provide the transaction history for the account from xxx to xxx to satisfy the gap. - Due Diligence Vendor-04/16/2026 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/04/2026<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| #N/A |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/04/2026 <br> Ready for Review-See attached Gift Equity Letter showing the amount of xxx - Due Diligence Vendor-05/04/2026 <br> Open-Asset 4 Does Not Meet Guideline Requirements The file contains Gift Letters from the Seller that total xxx but the Seller's Closing Disclosure reflects Gift of Equity amount xxx. Lender to provide a fully completed and executed Gift Letter from the Seller for the Gift of Equity amount (xxx) that was given to the Borrower at closing. - Due Diligence Vendor-04/16/2026 |  | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/04/2026<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 550498 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Lender removed the Rental (positive) income from xxx, Updated 1003 & 1008 provided - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Rental Income for xxx has been removed. See updated Transmittal Summary (1008) and Updated Final 1003 attached. - Due Diligence Vendor-04/27/2026 <br> Open-Provide verification of receipt of the security deposit and evidence of the first month's rent deposited into the borrower's account for the departure residence at xxx, per GL (additional conditions may apply upon review). - Due Diligence Vendor-04/17/2026 |  | Resolved-Lender removed the Rental (positive) income from xxx, Updated 1003 & 1008 provided - Due Diligence Vendor-04/28/2026 | 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 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 32.71% 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 - 7.25 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 0.09<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 |
| 550498 |  | D A | Closed | xxx | xxx | xxx | 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-04/21/2026 <br>Ready for Review-See attached Fraud Report - Due Diligence Vendor-04/21/2026 <br>Open-Missing Third Party Fraud Report Provide the Fraud Report, as it is currently missing from the file, confirming all alerts (if any) have been reviewed, verified, and cleared (additional conditions may apply upon review) - Due Diligence Vendor-04/17/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.71% 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 - 7.25 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 0.09<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 |
| 823847 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 659740 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided - Due Diligence Vendor-04/20/2026 <br> Ready for Review-See attached Lease Agreement. - Due Diligence Vendor-04/17/2026 <br> Open-missing lease agreement for the property xxx.<br> - Due Diligence Vendor-04/16/2026 |  | Resolved-Lease agreement provided - Due Diligence Vendor-04/20/2026<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> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.17 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 0.17<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% 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 39.34% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.1 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 |
| 453061 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| #N/A |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-\*\*\*Received FSS and PCCD - Due Diligence Vendor-04/29/2026 <br>Ready for Review-See attached Final SS and PCCD. - Due Diligence Vendor-04/27/2026 <br>Counter-\*\*\*Received ICD and copy of the Final CD. Lender to provide a PCCD/Final Settlement to provide true and correct disbursement date. - Due Diligence Vendor-04/22/2026 |  | Resolved-\*\*\*Received FSS and PCCD - Due Diligence Vendor-04/29/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.8% 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 - Validated Original LTV Of 65% 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 - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.17 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 |
| #N/A |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Note and first payment letter (escrowed) provided. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-See attached Copy of Note and First Payment Notice. - Due Diligence Vendor-04/21/2026 <br> Open-The file is missing the Hazard Insurance documentation for xxx. Lender to provide documentation of hazard insurance, including the annual insurance premium for the property. - Due Diligence Vendor-04/17/2026 |  | Resolved-Note and first payment letter (escrowed) provided. - Due Diligence Vendor-04/22/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.8% 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 - Validated Original LTV Of 65% 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 - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.17 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 |
| #N/A |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-\*\*Received ICD - Due Diligence Vendor-04/22/2026 <br>Resolved- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Ready for Review-See attached Initial CD. - Due Diligence Vendor-04/21/2026 <br>Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-04/18/2026 <br>Open- - Due Diligence Vendor-04/18/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-04/22/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.8% 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 - Validated Original LTV Of 65% 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 - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.17 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 |
| #N/A |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-04/22/2026 <br>Ready for Review-See attached CD. - Due Diligence Vendor-04/21/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure 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. - Due Diligence Vendor-04/17/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-04/22/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.8% 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 - Validated Original LTV Of 65% 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 - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.17 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 |
| 920767 |  | D A | Closed | xxx | xxx | xxx | 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-04/22/2026 <br>Ready for Review-See attached Fraud Report. - Due Diligence Vendor-04/21/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/17/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/22/2026<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> 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 |  | 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 |
| 617010 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.48 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Updated 1003 attached. - Due Diligence Vendor-04/24/2026 <br> Counter-Existing final 1003 in file shows no assets. Provide an updated Final 1003 showing xxx account listed. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Asset statement attached. - Due Diligence Vendor-04/23/2026 <br> Open-Audited Reserves of 1.61 are less than Guideline Required Reserves of 3 3 month reserves requirement of PITIA xxx\*3=xxx, total cash back is xxx, insufficient reserves amount of xxx - Due Diligence Vendor-04/20/2026 |  | Resolved-Audited Reserves of 3.48 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/27/2026<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 - 24.88 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 - 24.75 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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.36% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 80% 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 |
| 790493 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 617000 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 312118 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 716304 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| #N/A |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-04/29/2026 <br>Ready for Review-See attached SSR for Fannie and Freddie. - Due Diligence Vendor-04/28/2026 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Loan file is missing the UCDP/SSR (CU & LCA) and or Desk review required by guidelines. - Due Diligence Vendor-04/24/2026 |  | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-04/29/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.01 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 66.23% 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 |
| 609808 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 233775 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 952368 |  | D B A | Buyer | xxx | xxx | xxx | Ready for Review | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Ready for Review-The attached document previously is the Homeownership Counseling Disclosure. See attachment. - Due Diligence Vendor-04/27/2026 <br>Counter-\*\*Incorrect document uploaded - Due Diligence Vendor-04/22/2026 <br>Ready for Review-See attached Homeownership Counseling Disclosure along with Delivery Cert. - Due Diligence Vendor-04/21/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/21/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.85 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 0.02<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 37.14% 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 |
| 952368 |  | D B A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/22/2026 <br>Ready for Review-See attached Final URLA (1003) - Due Diligence Vendor-04/21/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-04/21/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/22/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.85 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 0.02<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 37.14% 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 |
| 694081 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 468077 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Updated Closing Disclosure with corrected PPP provided - Due Diligence Vendor-04/28/2026 <br> Ready for Review-See attached PCCD - Due Diligence Vendor-04/27/2026 <br> Open-Please confirm the prepayment penalty calculation. The final CD states max amount of xxx and the Note states xxx - Due Diligence Vendor-04/21/2026 |  | Resolved-Updated Closing Disclosure with corrected PPP provided - Due Diligence Vendor-04/28/2026<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 468077 |  | D A C | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid DL provided - Due Diligence Vendor-04/22/2026 <br>Ready for Review-See attached USA Patriot Act and Copy of DL. - Due Diligence Vendor-04/21/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing. Provide Borrower Driver license/passport/ Identification Document. - Due Diligence Vendor-04/21/2026 |  | Resolved-Valid DL provided - Due Diligence Vendor-04/22/2026<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 874538 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Initial CD attached. - Due Diligence Vendor-04/23/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (Revised CD) 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. - Due Diligence Vendor-04/23/2026 |  | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-04/24/2026<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<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> 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 |
| 719414 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 863407 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 378449 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 606335 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 409745 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 969579 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 643970 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 912935 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 667489 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 664655 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 953751 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 322472 |  | D A | Closed | xxx | xxx | xxx | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2026 <br> Open-Asset 1 Missing Asset 1 Bank Statement (xxx) is missing in file. - Due Diligence Vendor-03/26/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-03/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.61 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 |
| 167542 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 351058 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 539494 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 851551 |  | C A | Closed | xxx | xxx | xxx | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid 1-797A \| NOTICE OF ACTION provided. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/03/2026 <br>Open-Borrower is a non permanent resident alien. Only the borrower drivers license was provided. Provide additional identification docs. - Due Diligence Vendor-04/02/2026 |  | Resolved-Valid 1-797A \| NOTICE OF ACTION provided. - Due Diligence Vendor-04/06/2026<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 46.74 Are Greater Than The Guideline Minimum Of 6 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 |
| 432362 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 256570 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.2

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.2 - SCHEDULE 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 122248 |  |  | xxx A |
| 670851 |  |  | xxx A |
| 741457 |  |  | xxx D A |
| 944554 |  |  | xxx A |
| 830786 |  |  | xxx A |
| 452620 |  |  | xxx A |
| 947582 |  |  | xxx A |
| 805754 |  |  | xxx D A |
| 402970 |  |  | xxx D A |
| 222045 |  |  | xxx A |
| 113920 |  |  | xxx D A |
| 435544 |  |  | xxx A |
| 173635 |  |  | xxx A D |
| 984988 |  |  | xxx D C A |
| 794426 |  |  | xxx D A |
| 868096 |  |  | xxx A |
| 937447 |  |  | xxx D A |
| 321272 |  |  | xxx A |
| 144324 |  |  | xxx A |
| 127381 |  |  | xxx A |
| 743825 |  |  | xxx A D |
| 256005 |  |  | xxx A |
| 744670 |  |  | xxx A |
| 598876 |  |  | xxx A |
| 169039 |  |  | xxx A C |
| 662779 |  |  | xxx A |
| 755496 |  |  | xxx A C |
| 294193 |  |  | xxx A |
| 343374 |  |  | xxx A |
| 114400 |  |  | xxx A |
| 633503 |  |  | xxx A |
| 710558 |  |  | xxx A |
| 937618 |  |  | xxx A |
| 581905 |  |  | xxx A |
| 749533 |  |  | xxx A |
| 602778 |  |  | xxx D A |
| 484919 |  |  | xxx A |
| 963786 |  |  | xxx A |
| 767611 |  |  | xxx A C |
| 688041 |  |  | xxx A |
| 549066 |  |  | xxx A |
| 928215 |  |  | xxx D A |
| 514951 |  |  | xxx D A |
| 912391 |  |  | xxx A |
| 529695 |  |  | xxx A |
| 151942 |  |  | xxx A D |
| 586612 |  |  | xxx A |
| 144807 |  |  | xxx A |
| 495971 |  |  | xxx A |
| 776232 |  |  | xxx A |
| 273299 |  |  | xxx A |
| 900321 |  |  | xxx D A |
| 297919 |  |  | xxx A |
| 730468 |  |  | xxx A |
| 227316 |  |  | xxx A |
| 438760 |  |  | xxx A |
| 927555 |  |  | xxx A |
| 631742 |  |  | xxx A |
| 312402 |  |  | xxx A |
| 514673 |  |  | xxx C A |
| 440063 |  |  | xxx A |
| 967922 |  |  | xxx A |
| 379296 |  |  | xxx B A |
| 289967 |  |  | xxx C A |
| 946366 |  |  | xxx A |
| 412171 |  |  | xxx A |
| 791158 |  |  | xxx D A |
| 883145 |  |  | xxx A |
| 348458 |  |  | xxx A |
| 984134 |  |  | xxx A |
| 554084 |  |  | xxx A |
| 874517 |  |  | xxx A |
| 928364 |  |  | xxx A |
| 169283 |  |  | xxx A |
| 562053 |  |  | xxx A |
| 379439 |  |  | xxx A |
| 600555 |  |  | xxx D C A |
| 594762 |  |  | xxx A |
| 706048 |  |  | xxx D A |
| 352226 |  |  | xxx A |
| 949796 |  |  | xxx A D |
| 527265 |  |  | xxx C A |
| 744651 |  |  | xxx A |
| 184083 |  |  | xxx A |
| 624666 |  |  | xxx A |
| 305021 |  |  | xxx A |
| 165787 |  |  | xxx A |
| 677879 |  |  | xxx A |
| 433766 |  |  | xxx A |
| 905123 |  |  | xxx A |
| 114645 |  |  | xxx D A |
| 764154 |  |  | xxx A |
| 121233 |  |  | xxx A |
| 584073 |  |  | xxx A |
| 187326 |  |  | xxx C A |
| 881552 |  |  | xxx C A B |
| 755945 |  |  | xxx A |
| 889454 |  |  | xxx C A |
| 802000 |  |  | xxx A |
| 380221 |  |  | xxx A |
| 958674 |  |  | xxx A |
| 166339 |  |  | xxx A |
| 738659 |  |  | xxx A |
| 215080 |  |  | xxx A |
| 453022 |  |  | xxx A |
| 842959 |  |  | xxx A |
| 871996 |  |  | xxx C A |
| 306643 |  |  | xxx A |
| 297711 |  |  | xxx A |
| 774063 |  |  | xxx A |
| 781378 |  |  | xxx A |
| 343765 |  |  | xxx A |
| 323806 |  |  | xxx A D |
| 852716 |  |  | xxx A |
| 389871 |  |  | xxx C A |
| 326734 |  |  | xxx A |
| 739336 |  |  | xxx C A |
| 251309 |  |  | xxx D A |
| 614055 |  |  | xxx A |
| 253078 |  |  | xxx A D |
| 887745 |  |  | xxx C A |
| 888071 |  |  | xxx A D |
| 255903 |  |  | xxx C A B |
| 749304 |  |  | xxx A |
| 455720 |  |  | xxx B D A |
| 800583 |  |  | xxx A |
| 827948 |  |  | xxx A D |
| 708699 |  |  | xxx A |
| 400202 |  |  | xxx A |
| 848158 |  |  | xxx A |
| 734364 |  |  | xxx A |
| 484655 |  |  | xxx D A |
| 900820 |  |  | xxx A |
| 270833 |  |  | xxx C A |
| 530428 |  |  | xxx C A |
| 317257 |  |  | xxx A |
| 957766 |  |  | xxx A |
| 366870 |  |  | xxx A |
| 816760 |  |  | xxx D A |
| 396968 |  |  | xxx A |
| 534835 |  |  | xxx C D A |
| 261335 |  |  | xxx C A B |
| 723864 |  |  | xxx D A |
| 764982 |  |  | xxx D A |
| 577724 |  |  | xxx D A |
| 196459 |  |  | xxx A |
| 544921 |  |  | xxx A |
| 691410 |  |  | xxx C A |
| 271306 |  |  | xxx A |
| 816777 |  |  | xxx D C A |
| 976048 |  |  | xxx D A |
| 958615 |  |  | xxx C A |
| 373499 |  |  | xxx A |
| 847035 |  |  | xxx A |
| 729597 |  |  | xxx A |
| 735220 |  |  | xxx D A |
| 840820 |  |  | xxx A |
| 794164 |  |  | xxx A |
| 710536 |  |  | xxx C A |
| 543969 |  |  | xxx C A |
| 847439 |  |  | xxx A |
| 851086 |  |  | xxx D A |
| 906537 |  |  | xxx A |
| 241701 |  |  | xxx A D |
| 122225 |  |  | xxx A |
| 543264 |  |  | xxx C A |
| 744571 |  |  | xxx A |
| 223829 |  |  | xxx C A |
| 881109 |  |  | xxx D A |
| 519082 |  |  | xxx A |
| 148863 |  |  | xxx A |
| 485593 |  |  | xxx A |
| 211269 |  |  | xxx A C |
| 888662 |  |  | xxx D A |
| 347916 |  |  | xxx D A |
| 587435 |  |  | xxx A |
| 441463 |  |  | xxx A C |
| 633514 |  |  | xxx A |
| 281641 |  |  | xxx D A |
| 447828 |  |  | xxx D A |
| 348550 |  |  | xxx D B A |
| 639436 |  |  | xxx D A |
| 648708 |  |  | xxx D A |
| 939003 |  |  | xxx D A |
| 819164 |  |  | xxx A |
| 263124 |  |  | xxx C A |
| 553190 |  |  | xxx A |
| 622417 |  |  | xxx A |
| 273987 |  |  | xxx A C |
| 172792 |  |  | xxx A |
| 577700 |  |  | xxx C A B |
| 952808 |  |  | xxx A C |
| 900133 |  |  | xxx A |
| 149706 |  |  | xxx A |
| 473110 |  |  | xxx A |
| 940668 |  |  | xxx A C D |
| 796686 |  |  | xxx C A |
| 791867 |  |  | xxx D A |
| 921087 |  |  | xxx A C D |
| 364259 |  |  | xxx A D |
| 457001 |  |  | xxx A |
| 590249 |  |  | xxx D A |
| 533304 |  |  | xxx D A |
| 514437 |  |  | xxx A |
| 475288 |  |  | xxx A |
| 415801 |  |  | xxx D A |
| 318964 |  |  | xxx A |
| 476703 |  |  | xxx D C A B |
| 737522 |  |  | xxx D C A |
| 627624 |  |  | xxx A |
| 952454 |  |  | xxx A |
| 676299 |  |  | xxx A C |
| 117610 |  |  | xxx A |
| 367228 |  |  | xxx D A |
| 762324 |  |  | xxx A |
| 827548 |  |  | xxx A |
| 382360 |  |  | xxx D A |
| 645386 |  |  | xxx A |
| 653793 |  |  | xxx C A |
| 121694 |  |  | xxx C A |
| 244499 |  |  | xxx C A |
| 964327 |  |  | xxx D A |
| 358978 |  |  | xxx A |
| 858427 |  |  | xxx A |
| 565104 |  |  | xxx A |
| 321349 |  |  | xxx A D |
| 830308 |  |  | xxx A |
| 293741 |  |  | xxx A |
| 696467 |  |  | xxx D C A |
| 211357 |  |  | xxx A |
| 227344 |  |  | xxx A |
| 557351 |  |  | xxx A |
| 867265 |  |  | xxx A |
| 726554 |  |  | xxx D A |
| 489623 |  |  | xxx A |
| 411130 |  |  | xxx A C |
| 553335 |  |  | xxx A |
| 722577 |  |  | xxx A |
| 670241 |  |  | xxx A |
| 932693 |  |  | xxx A |
| 293612 |  |  | xxx D A |
| 872634 |  |  | xxx A C |
| 190163 |  |  | xxx A |
| 401519 |  |  | xxx D A |
| 517397 |  |  | xxx A |
| 812095 |  |  | xxx A C |
| 595356 |  |  | xxx A |
| 162991 |  |  | xxx B A |
| 270848 |  |  | xxx A |
| 728288 |  |  | xxx A |
| 849759 |  |  | xxx A |
| 685549 |  |  | xxx D A |
| 765304 |  |  | xxx A D |
| 588122 |  |  | xxx A |
| 148591 |  |  | xxx A |
| 345631 |  |  | xxx D A |
| 968950 |  |  | xxx D A |
| 605050 |  |  | xxx A C |
| 490951 |  |  | xxx A |
| 225774 |  |  | xxx A D |
| 245106 |  |  | xxx D C A |
| 467406 |  |  | xxx D A |
| 824781 |  |  | xxx A |
| 152034 |  |  | xxx A |
| 981011 |  |  | xxx D A |
| 689264 |  |  | xxx D A |
| 741110 |  |  | xxx D C A |
| 407300 |  |  | xxx C A |
| 818761 |  |  | xxx A |
| 338576 |  |  | xxx A |
| 996795 |  |  | xxx A |
| 643670 |  |  | xxx A |
| 368092 |  |  | xxx A C |
| 695086 |  |  | xxx C A |
| 422253 |  |  | xxx A |
| 579567 |  |  | xxx B A |
| 178459 |  |  | xxx A |
| 146584 |  |  | xxx D A |
| 132099 |  |  | xxx D C A |
| 630109 |  |  | xxx A C |
| 582033 |  |  | xxx A C |
| 544321 |  |  | xxx A |
| 726141 |  |  | xxx A C |
| 655578 |  |  | xxx D C A |
| 667833 |  |  | xxx C A |
| 787912 |  |  | xxx A D |
| 932143 |  |  | xxx A D B |
| 993794 |  |  | xxx A |
| 342119 |  |  | xxx A C |
| 936650 |  |  | xxx D A |
| 155884 |  |  | xxx A |
| 592677 |  |  | xxx A |
| 627703 |  |  | xxx A |
| 580195 |  |  | xxx C A |
| 969114 |  |  | xxx D A |
| 857140 |  |  | xxx A |
| 618243 |  |  | xxx A |
| 860417 |  |  | xxx A |
| 194261 |  |  | xxx A |
| 696147 |  |  | xxx A |
| 876564 |  |  | xxx A |
| 545337 |  |  | xxx A |
| 393132 |  |  | xxx A |
| 999238 |  |  | xxx A |
| 559086 |  |  | xxx A |
| 725311 |  |  | xxx A D |
| 277484 |  |  | xxx A |
| 250852 |  |  | xxx A |
| 120371 |  |  | xxx A |
| 351080 |  |  | xxx A |
| 199119 |  |  | xxx A D |
| 576505 |  |  | xxx A C |
| 829762 |  |  | xxx A |
| 547468 |  |  | xxx D A |
| 937216 |  |  | xxx A |
| 169231 |  |  | xxx C A |
| 337213 |  |  | xxx A |
| 941387 |  |  | xxx A |
| 660381 |  |  | xxx A |
| 217405 |  |  | xxx D A |
| 394323 |  |  | xxx A |
| 233313 |  |  | xxx A |
| 635787 |  |  | xxx A |
| 120928 |  |  | xxx A D |
| 975556 |  |  | xxx A |
| 296865 |  |  | xxx C A |
| 511966 |  |  | xxx A |
| 189324 |  |  | xxx A |
| 288009 |  |  | xxx A |
| 549185 |  |  | xxx A |
| 214713 |  |  | xxx A |
| 797562 |  |  | xxx A D |
| 442663 |  |  | xxx A |
| 793021 |  |  | xxx A D |
| 623266 |  |  | xxx A |
| 478105 |  |  | xxx A |
| 182382 |  |  | xxx D A |
| 971358 |  |  | xxx A |
| 816155 |  |  | xxx A |
| 250285 |  |  | xxx A |
| 713031 |  |  | xxx A C |
| 653787 |  |  | xxx A |
| 676384 |  |  | xxx A |
| 142904 |  |  | xxx A C |
| 144100 |  |  | xxx C A |
| 979786 |  |  | xxx D A |
| 381245 |  |  | xxx A |
| 853301 |  |  | xxx D A |
| 943523 |  |  | xxx D A |
| 130039 |  |  | xxx A |
| 458611 |  |  | xxx A |
| 913911 |  |  | xxx A C |
| 243555 |  |  | xxx C A |
| 202587 |  |  | xxx A |
| 732771 |  |  | xxx A |
| 606414 |  |  | xxx D A |
| 895066 |  |  | xxx A |
| 555186 |  |  | xxx A |
| 128791 |  |  | xxx A |
| 197673 |  |  | xxx A C |
| 345036 |  |  | xxx D C A |
| 453635 |  |  | xxx B A |
| 573207 |  |  | xxx C A |
| 247543 |  |  | xxx A |
| 255863 |  |  | xxx B D A C |
| 825342 |  |  | xxx C A |
| 709899 |  |  | xxx B A |
| 215735 |  |  | xxx D C A |
| 985894 |  |  | xxx D A |
| 568619 |  |  | xxx B C A |
| 290141 |  |  | xxx A C |
| 508501 |  |  | xxx C A |
| 770062 |  |  | xxx A |
| 501213 |  |  | xxx A C |
| 457326 |  |  | xxx A |
| 935833 |  |  | xxx D A |
| 122112 |  |  | xxx D A |
| 411037 |  |  | xxx A |
| 500695 |  |  | xxx A |
| 210977 |  |  | xxx C A |
| 227725 |  |  | xxx A D |
| 486009 |  |  | xxx A |
| 118067 |  |  | xxx A |
| 846551 |  |  | xxx A C |
| 408293 |  |  | xxx A C |
| 170767 |  |  | xxx A D |
| 346181 |  |  | xxx A D |
| 706541 |  |  | xxx A |
| 785578 |  |  | xxx C A |
| 828954 |  |  | xxx C A |
| 943391 |  |  | xxx C A |
| 137197 |  |  | xxx A |
| 318188 |  |  | xxx A |
| 767285 |  |  | xxx A |
| 220181 |  |  | xxx D A |
| 562572 |  |  | xxx A |
| 791121 |  |  | xxx A |
| 205107 |  |  | xxx A |
| 573375 |  |  | xxx A |
| 347579 |  |  | xxx A |
| 642680 |  |  | xxx A |
| 415889 |  |  | xxx A |
| 218521 |  |  | xxx C A |
| 462832 |  |  | xxx A |
| 334485 |  |  | xxx A |
| 143737 |  |  | xxx A C |
| 536689 |  |  | xxx C A |
| 948371 |  |  | xxx A |
| 567560 |  |  | xxx A D |
| 119415 |  |  | xxx A |
| 843920 |  |  | xxx A |
| 124158 |  |  | xxx A D |
| 142092 |  |  | xxx A |
| 183143 |  |  | xxx C A |
| 686442 |  |  | xxx A |
| 328933 |  |  | xxx A D |
| 433801 |  |  | xxx C A |
| 550498 |  |  | xxx D A |
| 823847 |  |  | xxx A |
| 659740 |  |  | xxx D A |
| 453061 |  |  | xxx A |
| 163853 |  |  | xxx D C A |
| 920767 |  |  | xxx D A |
| 617010 |  |  | xxx C A |
| 790493 |  |  | xxx A |
| 617000 |  |  | xxx A |
| 312118 |  |  | xxx A |
| 716304 |  |  | xxx A |
| 685294 |  |  | xxx D A |
| 609808 |  |  | xxx A |
| 233775 |  |  | xxx A |
| 952368 |  |  | xxx A D B |
| 694081 |  |  | xxx A |
| 468077 |  |  | xxx D C A |
| 874538 |  |  | xxx A C |
| 719414 |  |  | xxx A |
| 863407 |  |  | xxx A |
| 378449 |  |  | xxx A |
| 606335 |  |  | xxx A |
| 409745 |  |  | xxx A |
| 969579 |  |  | xxx A |
| 643970 |  |  | xxx A |
| 912935 |  |  | xxx A |
| 667489 |  |  | xxx A |
| 664655 |  |  | xxx A |
| 953751 |  |  | xxx A |
| 322472 |  |  | xxx D A |
| 167542 |  |  | xxx A |
| 351058 |  |  | xxx A |
| 539494 |  |  | xxx A |
| 851551 |  |  | xxx C A |
| 432362 |  |  | xxx A |
| 256570 |  |  | xxx A |

---

## Exhibit 99.2

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.2 - SCHEDULE 5**

---

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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** |
| 122248 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 670851 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 741457 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | .0256 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0256 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 944554 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 830786 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.17 | 30.17 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 452620 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.31 | 56.31 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 947582 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | .0403 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0403 | 96.0 | 0.04 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 805754 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.35 | 69.35 | xxx | xxx | .0024 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0024 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 402970 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.29 | 35.29 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 222045 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.5 | 62.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 113920 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.33 | 63.33 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 435544 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.87 | 31.87 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 173635 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 984988 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 37.5 | 37.5 | xxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794426 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.44 | 55.44 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.2 | xxx |
| 868096 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.72 | 48.72 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 937447 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.48 | 34.48 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 321272 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | xxx | .0083 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0083 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 144324 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 127381 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 743825 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 39.06 | 39.06 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 256005 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 744670 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | .1032 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .1032 | 91.0 | 0.09 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 598876 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 169039 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 662779 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 755496 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.24 | 49.24 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 294193 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.51 | 46.51 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 343374 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 114400 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | -.0419 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0419 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 633503 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 710558 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 937618 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.82 | 58.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 581905 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 749533 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 602778 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | .0291 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0291 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 484919 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.86 | 79.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 963786 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 767611 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 688041 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.78 | 64.78 | xxx | xxx | -.0738 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0738 | 88.0 | 0.12 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 549066 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 29.41 | 29.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.1 | xxx |
| 928215 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | xxx | .0380 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0380 | 91.0 | 0.09 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 514951 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.3 | xxx |
| 912391 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 529695 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.79 | 55.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 151942 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 586612 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 45.28 | 45.28 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 144807 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.51 | 50.51 | xxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 495971 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.3 | xxx |
| 776232 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 273299 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 900321 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 297919 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 730468 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 41.43 | 41.43 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 227316 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.72 | 56.72 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 438760 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 927555 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 631742 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | -.0035 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0035 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 312402 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 514673 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.88 | 53.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 440063 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.3 | 66.3 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 967922 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 379296 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.82 | 58.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.7 | xxx |
| 289967 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 946366 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 74.96 | 74.96 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 412171 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.08 | 49.08 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.5 | xxx |
| 791158 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 883145 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 348458 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 984134 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.2 | xxx |
| 554084 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 874517 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.78 | 33.78 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 928364 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 169283 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 562053 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | xxx | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0667 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 379439 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 600555 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.57 | 19.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 594762 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 706048 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 352226 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.97 | 79.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 949796 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | .0001 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 527265 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.07 | 74.07 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 744651 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.5 | xxx |
| 184083 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.47 | 54.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.1 | xxx |
| 624666 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.63 | 68.63 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 305021 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 165787 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 677879 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.62 | 68.62 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 433766 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 905123 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 114645 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 764154 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 79.91 | 79.91 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 121233 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 584073 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.75 | 31.75 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 187326 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 881552 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 755945 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 889454 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 802000 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 380221 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 958674 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.72 | 53.72 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 166339 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 738659 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 215080 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 453022 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 842959 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 871996 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.74 | 22.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 306643 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 297711 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 774063 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 24.54 | 24.54 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 781378 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.64 | 63.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 343765 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.96 | 62.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 323806 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 852716 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 389871 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 326734 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 739336 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.2 | xxx |
| 251309 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 614055 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 79.2 | 79.2 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 253078 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.4 | xxx |
| 887745 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.32 | 74.32 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 888071 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 255903 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 749304 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 455720 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 41.24 | 41.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 800583 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.0 | 64.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 827948 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 708699 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.67 | 66.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 400202 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.2 | xxx |
| 848158 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.58 | 51.58 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 734364 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 484655 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 900820 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.38 | 57.38 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 270833 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.38 | 63.38 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 530428 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.56 | 63.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 317257 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.2 | xxx |
| 957766 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.99 | 70.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 366870 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 816760 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 396968 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.22 | 45.22 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
| 534835 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 261335 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 723864 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 764982 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 577724 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 196459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 544921 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.57 | 28.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 691410 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 271306 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 816777 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.45 | 63.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 976048 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 958615 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 373499 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 847035 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 729597 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.39 | 48.39 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 735220 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 840820 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794164 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 710536 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 543969 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.47 | 72.47 | xxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847439 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 851086 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 906537 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 241701 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122225 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 543264 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 52.76 | 52.76 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 744571 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.45 | 17.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.3 | xxx |
| 223829 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 881109 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 519082 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 52.89 | 52.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 148863 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 485593 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 211269 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.21 | 62.21 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 888662 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 77.87 | 77.87 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 347916 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 587435 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.23 | 33.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 441463 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.02 | 53.02 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .2797 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 633514 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.1 | 79.1 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 281641 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.64 | 14.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.4 | xxx |
| 447828 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 348550 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 639436 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.18 | 68.18 | xxx | xxx | .0371 | 1004 URAR |  |  |  |  | xxx | xxx | .0371 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 648708 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 939003 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 819164 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.06 | 74.06 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 263124 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.51 | 55.51 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 553190 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 622417 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.89 | 58.89 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 273987 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172792 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 577700 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 952808 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.11 | 67.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 900133 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 149706 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 473110 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 940668 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 796686 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.29 | 45.29 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 791867 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 921087 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 364259 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.44 | 41.44 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 457001 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 590249 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 533304 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 514437 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 475288 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 415801 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 318964 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 476703 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.9 | 79.9 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 737522 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 52.8 | 52.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 627624 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.98 | 64.98 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 952454 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.36 | 64.36 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 676299 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.89 | 40.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 117610 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.34 | 20.34 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.1 | xxx |
| 367228 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 762324 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 827548 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 382360 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 645386 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 653793 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 121694 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 244499 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 964327 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 358978 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.32 | 48.32 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 858427 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 565104 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 321349 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 830308 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 293741 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.56 | 55.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 696467 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.12 | 24.12 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 211357 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.82 | 58.82 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 227344 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 76.52 | 76.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 557351 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 867265 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 726554 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 489623 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.52 | 36.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 411130 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 553335 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 722577 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 670241 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.11 | 63.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 932693 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 293612 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 77.8 | 77.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 872634 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 190163 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.56 | 73.56 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 401519 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 37.17 | 37.17 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 517397 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 812095 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 71.05 | 71.05 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 595356 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.97 | 25.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 162991 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.18 | 62.18 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 270848 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.14 | 57.14 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 728288 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 849759 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.43 | 46.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 685549 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 765304 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 588122 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 148591 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.42 | 68.42 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 345631 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 968950 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 605050 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | .3565 | 1004 URAR |  |  |  |  | xxx | xxx | .3565 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 490951 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 225774 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 245106 |  |  | 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) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.4 | xxx |
| 467406 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 824781 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 152034 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 981011 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 689264 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.33 | 66.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 741110 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.37 | 63.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 407300 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 818761 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.0 | 68.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 338576 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 996795 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.79 | 42.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 643670 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
| 368092 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.27 | 30.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 695086 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 422253 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 579567 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.49 | 73.49 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 178459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 146584 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.16 | 79.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 132099 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.97 | 64.97 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 630109 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 582033 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 55.95 | 55.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 544321 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2 | xxx |
| 726141 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.45 | 58.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 655578 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.72 | 79.72 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.5 | xxx |
| 667833 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 787912 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.69 | 57.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 932143 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 77.72 | 77.72 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.5 | xxx |
| 993794 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.39 | 42.39 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 342119 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 936650 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 155884 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 592677 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 627703 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 580195 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 969114 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 857140 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618243 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.3 | xxx |
| 860417 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 194261 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.98 | 40.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 696147 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 876564 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 545337 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 393132 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.27 | 64.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 999238 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 559086 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 725311 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 277484 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 250852 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 120371 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.41 | 36.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 351080 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.13 | 62.13 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 199119 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 54.25 | 54.25 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 576505 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.05 | 69.93 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 829762 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.0 | 78.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 547468 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 937216 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 169231 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.5 | 62.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0856 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 337213 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 941387 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.3 | xxx |
| 660381 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 217405 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 394323 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 45.15 | 45.15 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 233313 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.78 | 61.78 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 635787 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.55 | 54.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 120928 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 975556 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 296865 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.09 | 79.09 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 511966 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 189324 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.57 | 48.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 288009 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.9 | xxx |
| 549185 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 214713 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 797562 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.06 | 39.06 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 442663 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 793021 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.26 | 72.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 623266 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.99 | 69.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 478105 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0035 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 182382 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.49 | 49.49 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 971358 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.03 | 67.03 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 816155 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.11 | 55.11 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.5 | xxx |
| 250285 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.99 | 69.99 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 713031 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.03 | 78.03 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 653787 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.1 | 68.1 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 676384 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 142904 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.18 | 42.18 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 144100 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.42 | 68.42 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.1 | xxx |
| 979786 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.0 | 55.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 381245 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 853301 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.0 | 55.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.7 | xxx |
| 943523 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 41.17 | 41.17 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 130039 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 458611 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 913911 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 243555 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 202587 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.1 | xxx |
| 732771 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606414 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.47 | 63.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.3 | xxx |
| 895066 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 555186 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 128791 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 197673 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.13 | 58.13 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 345036 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 453635 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.35 | 61.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 573207 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 247543 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 255863 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 825342 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 709899 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.24 | 54.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 215735 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.22 | 72.22 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 985894 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 568619 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.0 | 73.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 290141 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.59 | 79.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 508501 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 770062 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 501213 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 457326 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.04 | 56.04 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 935833 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 122112 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 411037 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500695 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.9 | 19.9 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 210977 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 227725 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 486009 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 118067 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 69.23 | 69.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2 | xxx |
| 846551 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.39 | 57.39 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408293 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 44.41 | 44.41 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 170767 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.06 | 47.06 | xxx | xxx | .0353 | Desk Review |  |  |  |  | xxx | xxx | .0353 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | xxx | .0353 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 346181 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 706541 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 44.51 | 44.51 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785578 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 828954 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.94 | 48.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.9 | xxx |
| 943391 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 137197 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.14 | 48.14 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 318188 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 78.69 | 78.69 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 767285 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.26 | 74.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 220181 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.53 | 63.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 562572 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791121 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.8 | xxx |
| 205107 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 20.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 573375 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.77 | 75.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 347579 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 642680 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 415889 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 218521 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 462832 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 334485 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 143737 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 536689 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 948371 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.0 | 78.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 567560 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 119415 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.3 | xxx |
| 843920 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.46 | 34.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 124158 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 142092 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 183143 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.29 | 74.29 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 686442 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.8 | 69.8 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 328933 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | xxx | .0697 | 1025 Small Residential Income Report |  |  |  |  | xxx | xxx | .0697 | xxx | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 433801 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 550498 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 823847 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.48 | 65.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 659740 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 64.29 | 64.29 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 453061 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 163853 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 920767 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 617010 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.36 | 39.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 790493 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 617000 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 312118 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 716304 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 685294 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.23 | 66.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 609808 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 233775 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 952368 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.14 | 72.14 | xxx | xxx | -.0429 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0429 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 694081 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.99 | 69.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 468077 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 874538 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 719414 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 863407 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 378449 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 606335 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.69 | 59.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 409745 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 969579 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.36 | 65.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.7 | xxx |
| 643970 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0667 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 912935 |  |  | xxx | xxx | xxx | 0 | 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 |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 667489 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 664655 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.88 | 74.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 953751 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 322472 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167542 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.47 | 64.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 351058 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | XXX | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 539494 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 74.88 | 74.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 851551 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 432362 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 256570 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |

---

## Exhibit 99.3

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**HOMES 2026-NQM4**

**By Clarifii LLC on May 22, 2026**

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 1

![](ex993001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 35 loans (the "Loans") and these loans were subsequently acquired by APCA Resi, O4B, LLC. (the "Client") for the HOMES 2026-NQM4 transaction. The loans referenced in this narrative report were reviewed between 11/2025 and 02/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.43% | &nbsp;&nbsp;$3885968.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;11 | &nbsp;&nbsp;31.43% | &nbsp;&nbsp;$8250499.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;20 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;$13897100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26033567.00** |

---

The review consisted of a population of 35 loans, with an aggregate principal balance of $26,033,567.00.

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

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 2

![](ex993001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Verified Doc Type |

---

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 3

![](ex993001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 4

![](ex993001.jpg)

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 5

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 6

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 7

![](ex993001.jpg)

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 8

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

HoMES 2026-NQM4 Due Diligence Narrative Report – PagE \| 9

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

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**ABILITY TO REPAY (ATR)**

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

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

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

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

**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

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**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance <br> to OA or Confidence < <br> 80%** | &nbsp;&nbsp;**Number of Files within -<br> 10% of OA or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA / CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

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**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &nbsp;&nbsp;51.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;48.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &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;**35** | &nbsp;&nbsp;**100.00%** |

---

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &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;**35** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &nbsp;&nbsp;51.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;48.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;$3000000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.14% | &nbsp;&nbsp;$23033567.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26033567.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;27 | &nbsp;&nbsp;77.14% | &nbsp;&nbsp;$19937838.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;$2899929.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;5 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$3195800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26033567.00** |

---

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**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;23 | &nbsp;&nbsp;65.71% | &nbsp;&nbsp;$19206650.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;12 | &nbsp;&nbsp;34.29% | &nbsp;&nbsp;$6826917.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26033567.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$26033567.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26033567.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$26033567.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26033567.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;35 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;35 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;35 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;35 | &nbsp;&nbsp;34.29% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;35 | &nbsp;&nbsp;91.43% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |

---

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**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

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

**Disclaimer**

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

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

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

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

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

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## Exhibit 99.3

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.3 - SCHEDULE 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 1182122 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8434.4 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5417.49 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182124 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14895 | 7.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26172.49 | Yes | Employed |  | No |  | No |  |
| XXXX | 1182125 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9300 | 6.537 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5754.04 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182132 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2245 | 7.246 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3651.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182141 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5495 | 6.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3581.27 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182144 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 32640 | 7.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 151182.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 1182145 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3070 | 7.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31199.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182151 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5296.3 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17618.35 | Yes | Employed |  | No |  | No |  |
| XXXX | 1182153 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5828.6 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1182154 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21881.81 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1182156 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12276.25 | 6.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9821.15 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182157 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6215 | 6.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4510.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182160 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7315 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9907.59 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182174 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10583.75 | 6.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27425.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182176 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18662.6 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27284.35 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182186 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6495 | 6.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5129.27 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182188 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12390 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9033.29 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182191 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4175 | 6.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5434.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182192 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17745 | 6.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10428.83 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182197 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2790 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24735.31 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182200 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22495 | 7.112 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 161063.83 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182203 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5640 | 6.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4890.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 1182209 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13858.3 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 13849.1 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182210 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | 13853.69 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1182211 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8315 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8619.53 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182217 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18088.75 | 6.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16205.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182223 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6078 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15934.9 | Yes | Employed |  | No |  | No |  |
| XXXX | 1182227 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10278 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5198.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182229 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 10359.55 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1182233 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16119.5 | 6.989 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8184.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 1182234 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24189.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182238 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82351.32 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182240 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20365.45 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1182241 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7699.95 | N/A | Employed |  | No |  | No |  |
| XXXX | 1182243 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9507.5 | 6.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10097.25 | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.3

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.3 - SCHEDULE 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 1182124 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182132 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1182144 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | 1182144 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.18 | 22.25 | Variance is due to Audit calculating lower income |
| XXXX | 1182145 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 1182145 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per Approval |
| XXXX | 1182153 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1182153 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1182153 | XXXX | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Per Purchase Contract |
| XXXX | 1182154 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1182154 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1182156 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182156 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182157 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 1182157 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 1182174 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1182176 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | 1182186 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Per Appraisal |
| XXXX | 1182186 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1182188 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182191 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1182197 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182200 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182200 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182209 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182209 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.57 | 43.81 | Within 2% of Lender DTI on Approval |
| XXXX | 1182210 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.59 | 44.02 | Variance due to Audit calculated higher negative rent |
| XXXX | 1182211 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1182217 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1182229 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 1182233 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1182234 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 1182234 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1182238 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1182240 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 1182240 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1182240 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1182241 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1182243 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |

---

## Exhibit 99.3

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.3 - SCHEDULE 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 1182122 | XXXX C B A | Closed | FCRE5790 | 2025-11-20 19:32 | 2026-05-06 11:02 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Hello team. The previous soft pull provided dated XXXX isn't within 10 days if we count business days? NOTE Date is XXXX - Seller-12/18/2025 <br> Counter-Received GAP report more than 10 days after Note date. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please See Soft pull - Seller-12/12/2025 <br> Counter-Gap received is 12 days before Note, must be 10 days before or after Note. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please See Softpull - Seller-12/05/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/21/2025 | Ready for Review-Hello team. The previous soft pull provided dated XXXX isn't within 10 days if we count business days? NOTE Date is XXXX - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. Please See Soft pull - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. Please See Softpull - Seller-12/05/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 1182122 | XXXX C B A | Closed | FCOM5135 | 2025-11-20 14:04 | 2025-11-20 14:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX | 1182124 | XXXX D B A C | Closed | FCRE5782 | 2025-12-19 18:12 | 2025-12-24 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-12/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-12/22/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - 79.04mos reserves. Per guides, no reserves required<br>LTV is less than guideline maximum - Borr LTV 75%. Per guides, maximum LTV 80%. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 806. Per guide, a minimum score required 660. Required is 660 Borrower has 806 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 1182124 | XXXX D B A C | Closed | finding-47 | 2025-12-15 18:12 | 2025-12-24 07:41 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX. Finding resolved. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-12/23/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-12/23/2025<br>| Resolved------Received PCCD XXXX. Finding resolved. - Due Diligence Vendor-12/24/2025 | Months Reserves exceed minimum required - 79.04mos reserves. Per guides, no reserves required<br>LTV is less than guideline maximum - Borr LTV 75%. Per guides, maximum LTV 80%. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 806. Per guide, a minimum score required 660. Required is 660 Borrower has 806 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 1182124 | XXXX D B A C | Closed | FCOM1353 | 2025-12-15 17:55 | 2025-12-15 17:55 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/15/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/15/2025<br>| Months Reserves exceed minimum required - 79.04mos reserves. Per guides, no reserves required<br>LTV is less than guideline maximum - Borr LTV 75%. Per guides, maximum LTV 80%. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 806. Per guide, a minimum score required 660. Required is 660 Borrower has 806 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | 1182125 | XXXX D B A | Closed | FCRE1510 | 2025-12-15 14:03 | 2026-01-10 16:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust Correction Instrument. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/08/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The Notary page is dated XXXX instead of XXXX. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/08/2026<br>| Resolved-Received Deed of Trust Correction Instrument. - Due Diligence Vendor-01/10/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 1182125 | XXXX D B A | Closed | FCRE5782 | 2025-12-18 14:21 | 2025-12-23 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-12/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-12/19/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 1182125 | XXXX D B A | Closed | FCOM5135 | 2025-12-15 14:34 | 2025-12-15 14:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX | 1182132 | XXXX C A | Closed | FCRE5790 | 2026-01-15 15:57 | 2026-01-22 18:09 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. soft pull attached - Seller-01/21/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Must be within 10 of Note or 10 days after Note. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. soft pull attached - Seller-01/21/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 1182141 | XXXX D A | Closed | FCRE5782 | 2026-01-05 21:22 | 2026-01-09 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Please see Soft Pull. - Seller-01/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Please see Soft Pull. - Seller-01/06/2026<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.88 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 1182144 | XXXX D A | Closed | FCOM1271 | 2026-01-07 05:24 | 2026-01-12 13:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-----Received CHARM Booklet. Finding Resolved. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-CHARM Booklet is Missing Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-----Received CHARM Booklet. Finding Resolved. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804<br>LTV is less than guideline maximum - Required is 75 Borrower has 49.34 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 1182144 | XXXX D A | Closed | FCOM1268 | 2026-01-07 08:45 | 2026-01-12 13:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved-----Received ARM Disclosure. Finding Resolved. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-ARM Disclosure is Missing Missing initial ARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-----Received ARM Disclosure. Finding Resolved. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804<br>LTV is less than guideline maximum - Required is 75 Borrower has 49.34 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 1182145 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | 1182151 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1182153 | XXXX D A | Closed | FCRE0183 | 2026-01-29 14:29 | 2026-02-05 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, spousal consent is not required by the guidelines. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026 <br> Open-The required spousal consent to pledge form is missing. The spousal consent to pledge form is required in the state of XX. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026<br>| Resolved-Upon further review, spousal consent is not required by the guidelines. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 813 and minimum allowed is 660. Required is 660 Borrower has 813<br>Qualifying DTI below maximum allowed - DTI is 44.26 % and max allowed is 49.99% Required is 49.99 Borrower has 44.26 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7357541 |
| XXXX | 1182153 | XXXX D A | Closed | FCRE5782 | 2026-01-29 14:14 | 2026-02-03 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Soft pull attached - Seller-01/30/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 813 and minimum allowed is 660. Required is 660 Borrower has 813<br>Qualifying DTI below maximum allowed - DTI is 44.26 % and max allowed is 49.99% Required is 49.99 Borrower has 44.26 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7357237 |
| XXXX | 1182154 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1182156 | XXXX B A | Closed | FCOM5135 | 2026-01-14 07:45 | 2026-01-14 07:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-01/14/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 809 Required is 700 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.48 Required is 49.99 Borrower has 40.48 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7082812 |
| XXXX | 1182157 | XXXX D B A | Closed | FCRE5782 | 2026-01-21 16:14 | 2026-01-28 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/27/2026 <br>Counter-Gap Report provided is not dated within 10 days. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/22/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. please see attached - Seller-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/22/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7225208 |
| XXXX | 1182157 | XXXX D B A | Closed | FCOM1232 | 2026-01-13 13:29 | 2026-01-27 09:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/26/2026 <br>Open-The Final 1003 is Missing missing final 1003 - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. please see attached - Seller-01/26/2026<br>| Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-01/27/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7070255 |
| XXXX | 1182157 | XXXX D B A | Closed | FCOM5135 | 2026-01-13 13:39 | 2026-01-13 13:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7070582 |
| XXXX | 1182160 | XXXX D A | Closed | FCRE1437 | 2026-01-16 09:26 | 2026-01-21 13:55 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-After further review, the loan file contains the previous WVOE, which verifies a complete 2-year employment history. - Due Diligence Vendor-01/21/2026 <br> Open-Income and Employment Do Not Meet Guidelines Borrower works for same company since XXXX and was transferred to different office in XXXX. The written VOE prior to transfer indicates monthly earnings but does not contain the XXXX & XXXX annual income. Guide: two year income history to be provided. - Due Diligence Vendor-01/16/2026 |  | Resolved-After further review, the loan file contains the previous WVOE, which verifies a complete 2-year employment history. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744<br>Months Reserves exceed minimum required - Min 4, actual 7.64 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7135767 |
| XXXX | 1182160 | XXXX D A | Closed | FCRE1202 | 2026-01-16 09:42 | 2026-01-20 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Underwriting cert provided is acceptable. - Due Diligence Vendor-01/20/2026 <br> Open-Third Party Fraud Report Partially Provided UW cert indicates approval to proceed with loan even though XXXX score is above 800; however, the UW cert is not signed. Provided executed Certification - Due Diligence Vendor-01/16/2026 |  | Resolved-Underwriting cert provided is acceptable. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744<br>Months Reserves exceed minimum required - Min 4, actual 7.64 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7136200 |
| XXXX | 1182174 | XXXX B A | Closed | FCOM1353 | 2026-01-28 09:31 | 2026-01-28 09:31 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7328069 |
| XXXX | 1182174 | XXXX B A | Closed | FCOM5135 | 2026-01-28 09:31 | 2026-01-28 09:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7328070 |
| XXXX | 1182176 | XXXX B A | Closed | FCOM5135 | 2026-01-16 11:01 | 2026-01-16 11:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 795<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.01<br>LTV is less than guideline maximum - Required is 75 Borrower has 68.53 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7138334 |
| XXXX | 1182186 | XXXX D A C | Closed | finding-47 | 2026-01-23 16:17 | 2026-02-13 07:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX. Disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Uploaded. See PCCD XXXX. - Seller-02/11/2026 <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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Uploaded. See PCCD XXXX. - Seller-02/11/2026 | Resolved------Received PCCD XXXX. Disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/13/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 67.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 791 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7278650 |
| XXXX | 1182186 | XXXX D A C | Closed | FCRE5782 | 2026-02-02 06:37 | 2026-02-06 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/04/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/04/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 67.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 791 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7392984 |
| XXXX | 1182188 | XXXX B A | Closed | FCOM5135 | 2026-02-02 13:06 | 2026-02-03 05:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.78 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 7402161 |
| XXXX | 1182191 | XXXX D A | Closed | FCRE1148 | 2026-01-30 11:35 | 2026-02-13 12:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. Uploaded. See Final Title Policy. - Seller-02/11/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Uploaded. See Final Title Policy. - Seller-02/11/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.28<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.65 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7377400 |
| XXXX | 1182191 | XXXX D A | Closed | FCRE5782 | 2026-01-30 11:56 | 2026-02-05 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-02/03/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.28<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.65 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7377777 |
| XXXX | 1182192 | XXXX C B A | Closed | FCOM9998 | 2026-01-20 14:01 | 2026-02-04 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Client confirmed lender paid broker compensation. Finding resolved. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. It's a lender paid broker compensation fee. Please Clear this condition. - Seller-02/02/2026 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. It's a lender paid broker compensation fee. Please Clear this condition. - Seller-02/02/2026<br>| Resolved------Client confirmed lender paid broker compensation. Finding resolved. - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7185249 |
| XXXX | 1182192 | XXXX C B A | Closed | FCOM1353 | 2026-01-20 13:54 | 2026-01-21 07:21 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/20/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/20/2026<br>| Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 7185105 |
| XXXX | 1182192 | XXXX C B A | Closed | FCOM5135 | 2026-01-21 06:58 | 2026-01-21 06:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 7198046 |
| XXXX | 1182197 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1182200 | XXXX C B A | Closed | FCRE1510 | 2026-02-02 12:30 | 2026-02-10 13:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Affidavit of correction. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached recorded affidavit of correction - Seller-02/06/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary signature date is incorrect (XXXX). - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Please see attached recorded affidavit of correction - Seller-02/06/2026<br>| Resolved-Received Recorded Affidavit of correction. - Due Diligence Vendor-02/10/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7401276 |
| XXXX | 1182200 | XXXX C B A | Closed | finding-3634 | 2026-02-02 13:12 | 2026-02-06 07:59 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC, finding resolved. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. COC attached - Seller-02/04/2026 <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 $850.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $850 (2nd Appraisal) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $850, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, Expiration XXXX<br> - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. COC attached - Seller-02/04/2026<br>| Resolved------Received COC, finding resolved. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7402320 |
| XXXX | 1182200 | XXXX C B A | Closed | FCOM5135 | 2026-02-02 12:47 | 2026-02-02 12:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-02/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | No | 7401774 |
| XXXX | 1182203 | XXXX D B A | Closed | FCRE5782 | 2026-01-30 14:54 | 2026-02-05 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Uploaded. Soft Pull Credit Report. - Seller-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit report is missing - must be within 10 days of Note date - Due Diligence Vendor-01/31/2026 | Ready for Review-Document Uploaded. Uploaded. Soft Pull Credit Report. - Seller-02/03/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Required is 660 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.31 Required is 49.99 Borrower has 37.31 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7381257 |
| XXXX | 1182203 | XXXX D B A | Closed | FCOM5135 | 2026-01-22 16:57 | 2026-01-23 07:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/22/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Required is 660 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.31 Required is 49.99 Borrower has 37.31 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7255094 |
| XXXX | 1182209 | XXXX B A | Closed | FCOM1353 | 2026-01-23 14:05 | 2026-01-23 14:09 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 74.54<br>Qualifying FICO score is at least 20 points above minimum for program - 660 min fico - borrower has 753 fico |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7276289 |
| XXXX | 1182209 | XXXX B A | Closed | FCOM5135 | 2026-01-23 12:52 | 2026-01-23 13:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/23/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 74.54<br>Qualifying FICO score is at least 20 points above minimum for program - 660 min fico - borrower has 753 fico |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7274388 |
| XXXX | 1182210 | XXXX C A | Closed | FCRE1440 | 2026-02-02 22:25 | 2026-02-18 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The borrower is not obligated on the Note; therefore, a housing history is not required. - Due Diligence Vendor-02/18/2026 <br> Counter-Finding remains. Received PITA w/ HOA documents. Missing Housing History - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/10/2026 <br> Counter-Finding remains.Client provided Note, Taxes, Ins and HOA. Note is dated XXXX. Provide mortgage statement for XXXX. Must prove whether T&I are included in P&I. Also to document 12 month history provide VOM - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026 <br> Counter-Received PITIA validation for primary. Missing PITI and HOA fees with Housing History for the property XXXX- Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing PITI and HOA fees with Housing History for the property XXXX. Missing new PITI for primary residence XXXX(primary Residence) - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026<br>| Resolved-The borrower is not obligated on the Note; therefore, a housing history is not required. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 7+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $15,596.23; minimum required NONE |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7409538 |
| XXXX | 1182211 | XXXX B A | Closed | FCOM1353 | 2026-01-28 13:53 | 2026-01-28 13:53 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 Required is 700 Borrower has 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7336222 |
| XXXX | 1182217 | XXXX D B A | Closed | FCOM1353 | 2026-01-27 15:39 | 2026-02-09 11:51 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/09/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/09/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7318628 |
| XXXX | 1182217 | XXXX D B A | Closed | FCRE7497 | 2026-02-02 22:25 | 2026-02-06 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA for REO - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026 <br>Open-Missing proof of the HOA obligation for the property labeled 3b on the URLA - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Received HOA for REO - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7409537 |
| XXXX | 1182217 | XXXX D B A | Closed | FCOM5135 | 2026-01-27 15:39 | 2026-02-05 08:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Please review the affiliated disclosure. - Seller-02/04/2026 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please review the affiliated disclosure. - Seller-02/04/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/05/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7318629 |
| XXXX | 1182223 | XXXX D A C | Closed | FCRE5782 | 2026-02-05 18:26 | 2026-02-17 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/12/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.63 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 7479796 |
| XXXX | 1182223 | XXXX D A C | Closed | finding-3635 | 2026-02-03 15:46 | 2026-02-13 09:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-02/13/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,544.50) exceed the comparable charges ($3,989.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Survey Fee, Recording Service Fee and Texas Guaranty fee) increased by $156.60 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $156.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year. Expiration date is XXXX<br> - Due Diligence Vendor-02/03/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.63 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 7425579 |
| XXXX | 1182227 | XXXX D B A | Closed | FCRE1325 | 2026-02-09 04:30 | 2026-02-15 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of EA license - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Document Uploaded. Uploaded. See EA Firm. - Seller-02/12/2026 <br>Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Uploaded. See XXXX- Seller-02/12/2026 | Resolved-Received validation of XX license - Due Diligence Vendor-02/15/2026 | Months Reserves exceed minimum required - Qualifying Total Reserves 11 months are higher than 4 months required<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7510595 |
| XXXX | 1182227 | XXXX D B A | Closed | FCOM5135 | 2026-02-05 15:29 | 2026-02-05 15:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/05/2026<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 11 months are higher than 4 months required<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7475655 |
| XXXX | 1182229 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1182233 | XXXX D B A | Closed | FCRE1202 | 2026-02-10 12:11 | 2026-02-13 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. The document was already included in the original package (Page 49), but I am re-attaching it for your convenience - Seller-02/11/2026 <br>Open-Third Party Fraud Report Partially Provided Risk Score above 800 – Lender Mgt. Review and Approval by UW is require - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. The document was already included in the original package (Page 49), but I am re-attaching it for your convenience - Seller-02/11/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7540267 |
| XXXX | 1182233 | XXXX D B A | Closed | FCOM5135 | 2026-02-05 13:08 | 2026-02-05 13:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waived applied to non-material Findings - Due Diligence Vendor-02/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waived applied to non-material Findings - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7472434 |
| XXXX | 1182234 | XXXX D A | Closed | FCRE1964 | 2026-02-10 11:24 | 2026-02-13 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received internet verification of business phone number. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. kindly see the attached google search for your review. - Seller-02/11/2026 <br> Open- Missing - Business phone number must be verifiable via XXXX, XXXX or internet.<br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. kindly see the attached google search for your review. - Seller-02/11/2026<br>| Resolved-Received internet verification of business phone number. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 768 Required is 660 Borrower has 768<br>LTV is less than guideline maximum - Required is 75 Borrower has 67.57 Required is 75 Borrower has 67.57<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.57 Required is 49.99 Borrower has 37.57 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7539024 |
| XXXX | 1182238 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1182240 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1182241 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1182243 | XXXX B A | Closed | FCOM5135 | 2026-02-11 08:56 | 2026-02-11 09:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/11/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7557048 |

---

## Exhibit 99.3

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.3 - SCHEDULE 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 1182122 | XXXX | XXXX C B A |
| XXXX | 1182124 | XXXX | XXXX D C A B |
| XXXX | 1182125 | XXXX | XXXX D B A |
| XXXX | 1182132 | XXXX | XXXX C A |
| XXXX | 1182141 | XXXX | XXXX D A |
| XXXX | 1182144 | XXXX | XXXX A D |
| XXXX | 1182145 | XXXX | XXXX A |
| XXXX | 1182151 | XXXX | XXXX A |
| XXXX | 1182153 | XXXX | XXXX D A |
| XXXX | 1182154 | XXXX | XXXX A |
| XXXX | 1182156 | XXXX | XXXX A B |
| XXXX | 1182157 | XXXX | XXXX D A B |
| XXXX | 1182160 | XXXX | XXXX D A |
| XXXX | 1182174 | XXXX | XXXX A B |
| XXXX | 1182176 | XXXX | XXXX A B |
| XXXX | 1182186 | XXXX | XXXX D C A |
| XXXX | 1182188 | XXXX | XXXX A B |
| XXXX | 1182191 | XXXX | XXXX D A |
| XXXX | 1182192 | XXXX | XXXX A C B |
| XXXX | 1182197 | XXXX | XXXX A |
| XXXX | 1182200 | XXXX | XXXX C A B |
| XXXX | 1182203 | XXXX | XXXX D B A |
| XXXX | 1182209 | XXXX | XXXX A B |
| XXXX | 1182210 | XXXX | XXXX C A |
| XXXX | 1182211 | XXXX | XXXX A B |
| XXXX | 1182217 | XXXX | XXXX D A B |
| XXXX | 1182223 | XXXX | XXXX D C A |
| XXXX | 1182227 | XXXX | XXXX D B A |
| XXXX | 1182229 | XXXX | XXXX A |
| XXXX | 1182233 | XXXX | XXXX D B A |
| XXXX | 1182234 | XXXX | XXXX D A |
| XXXX | 1182238 | XXXX | XXXX A |
| XXXX | 1182240 | XXXX | XXXX C A |
| XXXX | 1182241 | XXXX | XXXX A |
| XXXX | 1182243 | XXXX | XXXX A B |

---

## Exhibit 99.3

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.3 - SCHEDULE 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 1182122 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182124 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182125 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182132 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1182141 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.71 | 64.71 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 1182144 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.34 | 49.34 | XXXX | XXXX | .0317 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0317 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1182145 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 1182151 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  | Not Eligible | 1 | XXXX |
| XXXX | 1182153 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 1182154 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 1182156 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182157 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 1182160 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1182174 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 1182176 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.53 | 68.53 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1182186 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.8 | 67.8 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Eligible |  |  |
| XXXX | 1182188 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182191 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.28 | 71.28 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 1182192 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.06 | 72.06 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182197 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 1182200 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0105 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0105 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1182203 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182209 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.54 | 74.54 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1182210 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1182211 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 1182217 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.75 | 73.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1182223 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182227 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1182229 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182233 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.29 | 74.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182234 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.57 | 67.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 1182238 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 1182240 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.42 | 74.42 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182241 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.77 | 74.77 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1182243 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.53 | 73.53 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.4

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**Exhibit 99.4**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by APCA Resi, O4B, LLC through a bulk purchase. The review included a total of 299 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as HOMES 2026-NQM4 (the "Securitization"). The Review was conducted from October 2025 through March 2026 on mortgage loans originated between May 2025 and January 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (299 loans in total):

Two hundred thirty-two (232) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

One (1) loan had Secondary Appraisal, thirty-five (35) loans had an AVM, and forty-one (41) loans had Desk Reviews. Consolidated Analytics has independent access to the Desk Reviews ordered by the Aggregator.

If a loan with an AVM or Desk Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were six (6) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred ninety-nine (299) mortgage loans reviewed, one hundred sixteen (116) unique mortgage loans (38.80% by loan count) had a total of one hundred forty-seven (147) discrepancies across eight (8) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;36 | &nbsp;&nbsp;24.49% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;34 | &nbsp;&nbsp;23.13% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;25 | &nbsp;&nbsp;17.01% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;20 | &nbsp;&nbsp;13.61% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;14 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.12% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.44% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**147** | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 259 | $86809653.00 | 86.62% |
| Event Grade B | 40 | $15469462.00 | 13.38% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 299 | $102279115.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 293 | 97.99% |
| Event Grade B | 6 | 2.01% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 299 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 71 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 71 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 71 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 205 | 89.91% |
| Event Grade B | 23 | 10.09% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 228 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 286 | 95.65% |
| Event Grade B | 13 | 4.35% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 299 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;134 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 1 WVOE Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Evidence of Property Tax Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Verification of Mortgage | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Flood Certificate Missing or Defective | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**354** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;163 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**180** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;**Total Compliance Grade (B) Exceptions:** | &nbsp;&nbsp;**31** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;171 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal photos | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;**Total Property Grade (A) Exceptions:** | &nbsp;&nbsp;**218** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Inspection Waiver Used at Origination | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;**Total Property Grade (B) Exceptions:** | &nbsp;&nbsp;**13** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.4

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.4 - SCHEDULE 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2026400001 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Missing HOI policy for XXX XXX. |
| 2026400027 | XXXXX | Loan Purpose | XXX | XXX | AS per loan approval |
| 2026400027 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit monthly HOI calculated at a lower amount than what lender used |
| 2026400031 | XXXXX | Property Type | XXX | XXX | Manufactured home per appraisal |
| 2026400043 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is slightly varying due to Net Rental Loss Income. |
| 2026400053 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI XXX% mismatch to lender qualified DTI due to wage income calculation and slight difference in rental income. |
| 2026400057 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the income and debt |
| 2026400063 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Qualifying Total Debt Income was confirmed with XXX & AUS |
| 2026400085 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | The income is calculated lower than the lender and the liabilities are higher. within variance. |
| 2026400089 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Based on verified earnings for B2 DTI increased from XXX to XXX. Audit calculated income more conservatively at XXX per month as B2 paystub shows XXX hrs over a bi-weekly period vs XXX hrs bi-weekly. |
| 2026400109 | XXXXX | DSCR | XXX | XXX |  |
| 2026400127 | XXXXX | DSCR | XXX | XXX |  |
| 2026400129 | XXXXX | DSCR | XXX | XXX |  |
| 2026400133 | XXXXX | Property Type | XXX | XXX |  |
| 2026400145 | XXXXX | DSCR | XXX | XXX |  |
| 2026400151 | XXXXX | DSCR | XXX | XXX | XXX has First Mortgage P&I as XXX but according to the Note the Monthly P&I is XXX for the first XXX months and XXX for the next XXX months. This makes the DSCR XX/XX/XXXX and not XXX. |
| 2026400155 | XXXXX | DSCR | XXX | XXX | XXX Market Rent XXX / XXX PITIA = XXX DSCR. This matches the XXX and XXX in file. |
| 2026400163 | XXXXX | DSCR | XXX | XXX | XXX Gross Rent / XXX Total P&I = XX/XX/XXXX DSCR |
| 2026400165 | XXXXX | DSCR | XXX | XXX |  |
| 2026400175 | XXXXX | DSCR | XXX | XXX |  |
| 2026400187 | XXXXX | DSCR | XXX | XXX |  |
| 2026400191 | XXXXX | DSCR | XXX | XXX | Missing HOI Evidence of Paid Annual Premium |
| 2026400211 | XXXXX | DSCR | XXX | XXX | Monthly Rental Income is XXX / XXX = XX/XX/XXXX DSCR |
| 2026400219 | XXXXX | DSCR | XXX | XXX |  |
| 2026400235 | XXXXX | DSCR | XXX | XXX |  |
| 2026400245 | XXXXX | Property Type | XXX | XXX |  |
| 2026400249 | XXXXX | Property Value | XXX | XXX | Per Appraisal |
| 2026400249 | XXXXX | Property Type | XXX | XXX | Per Appraisal |
| 2026400251 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Verified by the tax returns. |
| 2026400251 | XXXXX | Borrower 1 Citizen | XXX | XXX | Verified by the XXX Card |
| 2026400251 | XXXXX | Property Value | XXX | XXX | Verified by the Appraisal. |
| 2026400253 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower has two jobs, primary is W-2 and secondary is S/E |
| 2026400253 | XXXXX | Property Value | XXX | XXX | Tape data is XXX price |
| 2026400255 | XXXXX | Property Value | XXX | XXX | Appraisal |
| 2026400259 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Per Final 1003 and income documents |
| 2026400259 | XXXXX | Property Value | XXX | XXX | Per Appraisal |
| 2026400259 | XXXXX | Property Type | XXX | XXX | Per Appaisal |
| 2026400261 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per application borrower is XXX. |
| 2026400261 | XXXXX | Property Type | XXX | XXX | Per appraisal the property is a XXX to XXX unit. |
| 2026400265 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a non-XXX. |
| 2026400267 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | True data is correct, per tax returns |
| 2026400269 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Borrower 1 Origination FICO per credit report is XXX |
| 2026400271 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Per Final 1003. |
| 2026400275 | XXXXX | Borrower 1 Citizen | XXX | XXX | Confirmed B1 Citizen as per Visa |
| 2026400277 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed B1 as SE as per the income documentation provided |
| 2026400277 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Confirmed the Mid FICO score as XXX as per the Credit Report |
| 2026400279 | XXXXX | Borrower 1 Citizen | XXX | XXX | B1 is permanent citizen per I card on pg XXX |
| 2026400279 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower's are XXX. |
| 2026400279 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | XXX is accurate per report. |
| 2026400285 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a XXX per Final 1003 |
| 2026400291 | XXXXX | Borrower 1 Citizen | XXX | XXX | per perm res. alien doc in file |
| 2026400303 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Income documentation in file confirms Self Employment |
| 2026400307 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Only B1 us XXX |
| 2026400307 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Per the Credit Report/AUS |
| 2026400315 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Per documents provided |
| 2026400315 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Per Credit Report |
| 2026400315 | XXXXX | Property Type | XXX | XXX | Per Appraisal |
| 2026400319 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | verified per AUS and credit report qualifying score XXX |
| 2026400321 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is XXX |
| 2026400323 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Verified to credit report, loan approval |
| 2026400329 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Confirmed on the credit report. |
| 2026400335 | XXXXX | Property Type | XXX | XXX | Property is XX/XX/XXXX Unit per the Appraisal |
| 2026400337 | XXXXX | Property Value | XXX | XXX | Confirmed on appraisal, value is XXX |
| 2026400337 | XXXXX | Property Type | XXX | XXX | Confirmed on appraisal in file, subject is XXX units. |
| 2026400339 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | The borrowers are Self XXX/XXX owners of a XXX. Supporting Business, P&L, and K-XXX's are contained in the file. |
| 2026400347 | XXXXX | Property Type | XXX | XXX | Property is a two unit. |
| 2026400349 | XXXXX | Property Type | XXX | XXX | Review data is correct per appraisal. |
| 2026400353 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 Qualifying FICO is XXX and B2 Qualifying FICO is XXX |
| 2026400371 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower 1 Citizen was confirmed with 1003 |
| 2026400377 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed - Borrower owns XXX% ownership as per Schedule k1 |
| 2026400379 | XXXXX | Property Type | XXX | XXX | The Auditor has confirm the XXX as per the appraisal. |
| 2026400381 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed - Borrower owns XXX% ownership as per Schedule k1. |
| 2026400383 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | The Auditor has confirm the FICO score as per credit report |
| 2026400387 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Verified document type has been updated based on the provided income documents |
| 2026400389 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | AUS available in file |
| 2026400391 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | File contains XXX 1120S to validate Self Employment. |
| 2026400393 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is Self-employment updated as per Final 1003 |
| 2026400395 | XXXXX | Borrower 1 Citizen | XXX | XXX | Updated as per Final 1003 |
| 2026400395 | XXXXX | Property Type | XXX | XXX | XXX updated as per Appraisal Document |
| 2026400399 | XXXXX | Property Type | XXX | XXX | Confirmed with Deed and XXX |
| 2026400401 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 Self-Employment Flag Yes update as per Final 1003 |
| 2026400403 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 Self-Employment Flag confirmed using Final 1003 and Income documents |
| 2026400403 | XXXXX | Property Type | XXX | XXX | XXX confirmed using Note |
| 2026400407 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 FICO score updated as per AUS and Credit Report |
| 2026400407 | XXXXX | Property Type | XXX | XXX | XXX confirmed using Appraisal |
| 2026400411 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | B1 Self Employment Flag confirmed using Tax Return |
| 2026400411 | XXXXX | Property Type | XXX | XXX | XXX confirmed using Appraisal |
| 2026400415 | XXXXX | Property Type | XXX | XXX | Per appraisal report |
| 2026400419 | XXXXX | Property Type | XXX | XXX | Verified with Appraisal |
| 2026400421 | XXXXX | Property Value | XXX | XXX | Verified with Final XXX |
| 2026400425 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed on the Final 1003 |
| 2026400427 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Updated as per the Credit report document |
| 2026400435 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower owns XXX% ownership as per Schedule K1. |
| 2026400435 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Confirmed - Mid score of B1 is XXX |
| 2026400437 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a XXX |
| 2026400445 | XXXXX | Property Type | XXX | XXX | XXX confirmed using Appraisal. |
| 2026400449 | XXXXX | Property Type | XXX | XXX | XXX confirmed using Appraisal. |
| 2026400453 | XXXXX | Property Type | XXX | XXX | Update as per Appraisal Document |
| 2026400455 | XXXXX | Borrower 1 Citizen | XXX | XXX | Confirmed with Final 1003 |
| 2026400457 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Borrower 1 Origination FICO was confirmed with Credit Report |
| 2026400459 | XXXXX | Borrower 1 Citizen | XXX | XXX | Verified with 1003 |
| 2026400461 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 FICO XXX updated as per Credit Report |
| 2026400463 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Verified with Credit Report |
| 2026400465 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 FICO XXX updated as per Credit Report. |
| 2026400467 | XXXXX | Borrower 1 Citizen | XXX | XXX | B1 is Non-Permanent Resident. Verified with 1003 |
| 2026400467 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Verified with Credit Report |
| 2026400479 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower 1 Citizen updated as per Final 1003. |
| 2026400483 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | The Median score of both the borrower is XXX |
| 2026400489 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower 1 XXXhip confirmed using Final 1003 |
| 2026400489 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Borrower 1 Origination FICO confirmed using Credit Report and AUS |
| 2026400495 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Verified with Final 1003 |
| 2026400499 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Verified Qualifying FICO of XXX (B2). The XXX Note, AUS mentioned B1 as Primary Borrower however in Credit Report, Initial B2 mentioned as Primary Borrower. |
| 2026400503 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is self XXX as Per 1003 |
| 2026400507 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 FICO confirmed with credit report |
| 2026400511 | XXXXX | Property Value | XXX | XXX | XXX updated as per Appraisal |
| 2026400511 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Borrower 1 Origination FICO updated as per credit report |
| 2026400513 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 Origination FICO score updated as per doc. |
| 2026400515 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per Final 1003 and ID in the loan file for B1, is a XXX |
| 2026400515 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 middle FICO, per credit report is XXX The Qualifying FICO score for B1 and B2 is XXX |
| 2026400521 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Updated as per Final 1003 |
| 2026400521 | XXXXX | Property Value | XXX | XXX | XXX updated as per XXX Document |
| 2026400525 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | The true data shows Borrower 1's middle score, while the tape data shows all borrowers' middle scores. This is a discrepancy. |
| 2026400527 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | B1 Self XXX Updated as per Final 1003 |
| 2026400527 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | B1 FICO updated as per Credit Report |
| 2026400529 | XXXXX | Borrower 1 Citizen | XXX | XXX | The Final 1003 reflects an update to Borrower 1's XXX status |
| 2026400531 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Borrower 1 FICO score updated as per credit report |
| 2026400539 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self employment |
| 2026400543 | XXXXX | Property Type | XXX | XXX | Verified with Final XXX and Appraisal |
| 2026400545 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 Self-Employment Flag Yes, Update as per Final CD |
| 2026400551 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Updated as per Credit Report Document |
| 2026400559 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Updated as per Credit Report |
| 2026400561 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | The Auditor has confirm the self employment |
| 2026400571 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | B1 Self Employment Only. |
| 2026400571 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | FICO XXX Only Shows an Credit Liabilities Screen but data tape Shows XXX |
| 2026400573 | XXXXX | Property Type | XXX | XXX | Confirmed on the Appraisal, Mortgage and PUD Rider |
| 2026400575 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Updated as per Final 1003 |
| 2026400575 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Updated as per Credit Report |
| 2026400577 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed on the Final 1003 |
| 2026400577 | XXXXX | Property Type | XXX | XXX | Confirmed on the Appraisal |
| 2026400579 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Updated as per Final 1003 |
| 2026400583 | XXXXX | Borrower 1 Citizen | XXX | XXX | Verified B1 is not XXX. See US Visa and XXX Passport pages XXX |
| 2026400585 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower 1 Citizen was confirmed with 1003 |
| 2026400585 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | In Credit liability screen, Qualifying FICO is XXX But in Data compare screen its showing XXX |
| 2026400591 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 having Self Employment Business income |
| 2026400591 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | FICO Score updated from Credit Report |
| 2026400595 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | updated as per Credit report |
| 2026400597 | XXXXX | Borrower 1 Origination FICO | XXX | XXX | Verified with the Credit Report, XXX and LP. |

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## Exhibit 99.4

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.4 - SCHEDULE 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 2026400001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on CD XX/XX/XXXX without a valid COC. | Document Uploaded. Please see attached PCCD curing the issue. | 10/24/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 10/27/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/20/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/20/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within XXX business days of application for XXX. | Please be advised that the absence of an affiliated business disclosure on correspondent loans is confirmation that the lender does not have an affiliated XXXs. | 10/21/2025 | Client confirmed no affiliated businesses were used; exception resolved | 10/22/2025 | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Per the appraisal waiver disclosure, the borrower waived the XXX day waiting period. Provide confirmation the borrower received the appraisal at consummation. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 10/21/2025 | Confirmed - Unable to Resolve-Seller acknowledges exception, no change to grading. | 10/21/2025 | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/20/2025 | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/20/2025 | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.65% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.65% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.65% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.65% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.65% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.65% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the removal of the Lender Credits: - The Lender Credit of XXX was removed from the revised LE dated XXX/XXX/XXX. The file contains a COC dated XXX/XXX/XXX, which reflected a Redisclosure Reason as "Changed Cir/Last Loan Estimate" and Lender Credit Pricing changed from XXX to XXX The COC does not provide a clear reason for the removal of the lender credit. | Document Uploaded. Please see the attached redisclosure package. | 11/11/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate XXX | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Property is not in XXX XXX which is the only circuit that has ruled that a H-XXX is not acceptable to reopen recission in this situation. Please clear this condition as a duplicate condition correctly set as an Ev2 is waived on this loan already. | 11/07/2025 | Acknowledged as 2/B grading per client request.; The exception is graded EV2 as property is located in the XXX. | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. | Document Uploaded. Please see attached provided with the iniital LE. ; Document Uploaded. Please see attached confirming the borrower went with an off list provider. ; Please see attached LE. | 11/12/2025 | SSPL dated within XXX days of the application date provided; exception resolved; SSPL provided is dated XX/XX/XXXX which is more than XXX days after application. Provide SSPL that was sent with the initial LE to resolve; provide SSPL dated within XXX days of the application date to resolve; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. | Document Uploaded. Please see attached LE. | 11/07/2025 | Valid COC in file; Initial LE provided; Exception resolved; Valid COC in file; Initial LE provided; Exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 11/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. The loan failed the Initial Loan Estimate delivery date test from application. The Initial LE issued on XX/XX/XXXX was not disclosed within XXX days of the application date per the Evidentiary Document Sheet (page XXX) stating the initial 1003 was dated XXX/XXX/XXX. According to the Evidentiary Document, an LE was issued on XXX/XXX/XXX, however the LE was not found in the file. If the Loan Estimate was given within XXX days of application, the defect can be resolved by providing such disclosure | Please see attached LE. | 11/07/2025 | Initial LE provided; Exception resolved; Initial LE provided; Exception resolved | 11/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Provide evidence borrower in receipt of Initial CD prior to consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In XXX" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. Please see attached ev doc confirming when the CD was acknowledged. | 11/07/2025 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 11/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate XXX | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. Title page XXX | Seller acknowledges exception, no change to grading. | 11/07/2025 | Acknowledged as 2/B grading per client request. | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In XXX" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in XXX, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically. | 11/07/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 11/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.1% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.1% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.1% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.1% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.1% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.1% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Final 1003 reflects PITIA of XXX + HOA XXX = XXX per months for the departing property retained as an Investor property located at XXX, however we are missing the HOA Statement and HO Insurance to confirm this amount used for qualifying. NOTE: PITIA per the XXX Mtg Statement reflects XXX per months, still missing the difference of XXX per months. Please provide all applicable documentation to support the Neg Rent loss used of XXX per months. | Document Uploaded. Please see the attached HOA Statement. No additional documentation is required as we have already provided the mortgage Statement documenting the PITIA. | 11/20/2025 | HOA document provided. | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/03/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan file is MISSING MORTGAGE history for the XXX property. | Document Uploaded. This is a recently XXXd home. Attached is the CD from closing. As recently XXXd, there is no mortgage history. Please review to clear this condition. | 01/30/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan file is MISSING MORTGAGE history for the XXXproperty. | 02/02/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP is XX/XX/XXXX |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP is XX/XX/XXXX | 02/04/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Loan amount is XXX however Total Insurance coverage of XXX is insufficient | Coverage on this loan meets guidelines. Per XXX Mortgage's guidelines provided to CA, dwelling coverage can be assumed to be written to full replacement cost for conventional loans when the policy does not State that the policy is written to Actual Cash Value or give any other indication that it is not written to replacement cost. This policy does not include any Actual Cash Value endorsements or any indication that it is not written to replacement cost, therefore per our guidelines it can be assumed to be written to replacement cost and no additional documentation is not needed. | 01/27/2026 | Per TM HOI coverage is sufficient based on client rebuttal. Condition cleared.; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Loan amount is XXX however Total Insurance coverage of XXX is insufficient | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Page XXX of the XXXXXX, XX/XX/XXXX Statement lists an HOA payment to XXXd XXX for XXX Unable to determine which property this payment applies to. This HOA payment was not included in a property payment calculation. | Document Uploaded. Please see attached. The borrower Stated they had five properties with HOA dues. Bank Statement confirmed it there were XXX properties. As Stated, the payments on the bank Statement did not label each property individually. We were able to identify XXX XXX as the fifth property. When we did a property search the number we found was XXX The bank Statement already confirmed the number was less, XXX But we decided to use the more conservative number and qualified the property with XXX in dues. | 01/28/2026 | Lender provided HOA document and confirming HOA amount on Bank Statement is for XXX XXXl. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing VOE and third-party verification are missing. Business search documentation in the loan image does not include a date it was reviewed. | Document Uploaded. Please see the attached screenshot from the LOS confirming the proof of self employment was received within XXX days of the Note date. | 01/27/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Borrower 1 3rd Party VOE Prior to Close Missing VOE and third-party verification are missing. Business search documentation in the loan image does not include a date it was reviewed. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Lender calculated business income for XXX using a XXX-month average. FNMA guidelines require using a XXX-month average. This results in income of XXX and a DTI >XXX%. | Please see below for income calculation. We did use a XXX year average. Base Amount Calculation ($XXX Annual Income 2 years ago + XXX Annual Income Last Year) / (XXX Months worked XXX years ago + XX/XX/XXXX Months worked last year = XXX Observations Product: Fannie Months business was open: XXX Mileage Depreciation Rate (Two Years Ago): XXX (Set by the IRS) Mileage Depreciation Rate (Previous Year): XXX (Set by the IRS) Calculated Mileage Depreciation: XXX = Mileage Depreciation Rate of XXX X Business Miles Driven of XXX. Calculated Mileage Depreciation: XXX = Mileage Depreciation Rate of XXX X Business Miles Driven of XXX. Annual Earnings (Two Years Ago): XXX = Net Profit Or Loss Amount of XXX + Depletion Amount of XXX + Depreciation Amount of XXX + Calculated Mileage Depreciation Amount of XXX + One Time Expenses of XXX + Business Use of Home of XXX - Meals And Entertainment Deductions Amount of $XXX. Annual Earnings (Previous Year): XXX = Net Profit Or Loss Amount of XXX + Depletion Amount of XXX + Depreciation Amount of XXX + Calculated Mileage Depreciation Amount of XXX + One Time Expenses of XXX + Business Use of Home of XXX - Meals And Entertainment Deductions Amount of $XXX. Monthly Earnings (Two Years Ago): XXX = Annual earnings of XXX divided by time worked of XXX. Monthly Earnings (Last Year): XXX = Annual earnings of XXX divided by time worked of XXX. | 01/28/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% Lender calculated business income for XXX using a XXX-month average. FNMA guidelines require using a XXX-month average. This results in income of XXX and a DTI >XXX%. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | ATR Risk | ATR Risk Lender calculated business income for XXX using a XXX-month average. FNMA guidelines require using a XXX-month average. This results in income of XXX and a DTI >XXX%. | Please see below for income calculation. We did use a XXX year average. Base Amount Calculation ($XXX Annual Income 2 years ago + XXX Annual Income Last Year) / (XXX Months worked XXX years ago + XX/XX/XXXX Months worked last year = XXX Observations Product: Fannie Months business was open: XXX Mileage Depreciation Rate (Two Years Ago): XXX (Set by the IRS) Mileage Depreciation Rate (Previous Year): XXX (Set by the IRS) Calculated Mileage Depreciation: XXX = Mileage Depreciation Rate of XXX X Business Miles Driven of XXX. Calculated Mileage Depreciation: XXX = Mileage Depreciation Rate of XXX X Business Miles Driven of XXX. Annual Earnings (Two Years Ago): XXX = Net Profit Or Loss Amount of XXX + Depletion Amount of XXX + Depreciation Amount of XXX + Calculated Mileage Depreciation Amount of XXX + One Time Expenses of XXX + Business Use of Home of XXX - Meals And Entertainment Deductions Amount of $XXX. Annual Earnings (Previous Year): XXX = Net Profit Or Loss Amount of XXX + Depletion Amount of XXX + Depreciation Amount of XXX + Calculated Mileage Depreciation Amount of XXX + One Time Expenses of XXX + Business Use of Home of XXX - Meals And Entertainment Deductions Amount of $XXX. Monthly Earnings (Two Years Ago): XXX = Annual earnings of XXX divided by time worked of XXX. Monthly Earnings (Last Year): XXX = Annual earnings of XXX divided by time worked of XXX. | 01/28/2026 | ATR Risk Resolved; ATR Risk Resolved; ATR Risk Lender calculated business income for XXX using a XXX-month average. FNMA guidelines require using a XXX-month average. This results in income of XXX and a DTI >XXX%. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a XXX of an investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Tax Certification Fee paid to an affiliate on Final CD. | Document Uploaded. Please see the attached pccd, loe to borrower, cure check and shipping label. ; The tax cert fee was paid to a borrower chosen non affiliate in section C and is therefore not held to any tolerances. | 02/03/2026 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; The Tax certification fee is paid to XXX Close in section B therefore subject to XXX% tolerance. The fee was not listed on the LEs | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Subject property master policy document is missing. Master policy verifies liability insurance and building replacement. | Document Uploaded. Please see the attached master policy. | 01/27/2026 | HO-6 Master Insurance Policy is fully present; Missing HO-6 Master Insurance Policy Subject property master policy document is missing. Master policy verifies liability insurance and building replacement. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Verification of Mortgage | For investment properties XXX and XXX = MISSING MORTGAGE payment verification documents. | Document Uploaded. Please see the attached Final CD's foreach property. | 01/27/2026 | PITIA for REO properties verified. First payment not yet due at time of closing. Condition cleared. | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | For investment properties XXX and XXX = No monthly payment on the credit report, MISSING MORTGAGE payment, taxes, HOI, HOA, and other verifications documents. | Document Uploaded. Please see the attached Final CD's for both XXX and XXX to verify P&I and escrows. Also attached are screenshots of the appraisals for each property verifying no hoa dues for XXX and XXX per month for XXX. | 01/27/2026 | PITIA for REO properties verified. Condition cleared. | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). Provide evidence of sufficient hazard insurance coverage for subject in the amount of XXX | Document Uploaded. Please see the attached replacement cost estimator confirming sufficient dwelling coverage. | 02/05/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Received a replacement cost estimator for the property stating the estimated replacement cost (calculated value) of XXX Hazard Insurance coverage sufficient ; The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). Provide evidence of sufficient hazard insurance coverage for subject in the amount of XXX | 02/06/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk Score is greater than XXX. Provide required third-party valuation product. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk Score is greater than XXX. Provide required third-party valuation product. | 02/03/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/04/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to Addition of the 2nd Appraisal fee in the amount of XXX on the Initial CD dated XXX. File does contain emails about the increase however no dates can be found as to the date of the increase. | Document Uploaded. Please see the attached appraisal order documentation confirming the appraisal fee increase cic occurred on XXX/XXX/XXX. | 01/30/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU approved loan with appraisal waiver. |  |  | PIW used at origination; Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU approved loan with appraisal waiver. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a Third Party Valuation due to CU less than XXX. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a Third Party Valuation due to CU less than XXX. | 02/04/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines B2 income: no validated income calculation for B2 Wage earning that matches Lender. XXX YTD paystub reflecting XXX bi-weekly (XXX/XXX/XXX to XXX/XXX/XXX). XXX X XXX/XXX=$XXX per monthnth. Final 1003/XXX per monthnth. Underwriter updated system DTI increased from XXX to XXX. | This is not how hourly income is calculated. XXX is borrowers hourly rate, multiplied by XXX equals $XXX. XXX weeks in a year, so multiplied out is XXX and divided by XXX equals XXX. The YTD income on the paystub is XXX after XXX months, so using the monthly value times XXX equals XXX which is within XXX% of the current YTD, therefore income is supported, and we are able to use $XXX. Secondly, and maybe most importantly the DTI calculated by audit doesn't increase the DTI XXX% so no new AUS is required. Please clear this condition as it is invalid. | 01/30/2026 | Audit calculated income more conservatively at XXX per month as B2 paystub shows XXX hrs over a bi-weekly period vs XXX hrs bi-weekly. Audit DTI within XXX% tolerance.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines B2 income: no validated income calculation for B2 Wage earning that matches Lender. XXX YTD paystub reflecting XXX bi-weekly (XXX/XXX/XXX to XXX/XXX/XXX). XXX X XXX/XXX=$XXX per monthnth. Final 1003/XXX per monthnth. Underwriter updated system DTI increased from XXX to XXX. | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Fannie Mae analysis was not performed for this non-UDA form type. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Fannie Mae analysis was not performed for this non-UDA form type. | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Missing Appraisal photos | All photos on appraisal dated on XX/XX/XXXX are mislabeled. Please upload correct photos to the correct labeled rooms with the appraisal | Document Uploaded. Please see the attached appraisal photo guidelines, we require photos but we will not order an addendum to correct the labeling. Unless a photo is missing from the subject or doesn't show all that is required, that is an issue, but labeling is not required to be updated by any guideline. | 01/30/2026 | Lender confirmed - appraisal photo guidelines, we require photos but we will not order an addendum to correct the labeling. Unless a photo is missing from the subject or doesn't show all that is required, that is an issue, but labeling is not required to be updated by any guideline. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Total monthly obligations $XXX/Total income $XXX=XXX%. (XXX + XXX XXX XXX XXX + XXX XXX + XXX. XXX + XXX income $-XXX) | Document Uploaded. Please see attached lease agreements for each unit XXX W and XXX XX/XX/XXXX W with monthly rent of XXX which supports use of total rental income of $XXX.; Document Uploaded. Please see the attached rental income calculation breakdown. | 02/09/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Please provide documentation to support "gross" rental income for XXX-XXX XX/XX/XXXX that supports XXX per month as reflected on the Final 1003 (XXX Schedule E reflects gross receipts of XXX for the entire year, therefore, generating no positive rental income). It appears the Borrowers acquired the property in XX/XX/XXXX yet XXX months was reflected on Schedule E. Per FNMA, when a property was not in service for the entire year, fully executed leases can be used to determine rental income yet those leases were not in file. Thank you.; Audited DTI of XXX% exceeds AUS DTI of XXX% Total monthly obligations $XXX/Total income $XXX=XXX%. (XXX + XXX N XXX Food Store XXX + XXX S XXX + XXX. XXX + XXX income $-XXX) | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Note Missing or Defective | Missing Executed Note | XXX: Uploaded |  | XXX: 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 |
| 2026400107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/2/2025 | 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 |
| 2026400119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Excessive LTV Ratio | LTV of 75% >XXX% Maximum allowed for XXX DSCR on XXX Transaction with Credit Score of XXX | XXX: Waived |  | XXX: Waived | 12/18/2025 | XXX Months Reserves, No XXX lates 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 |
| 2026400117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/16/2025 | 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 |
| 2026400115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing Residential Lease Agreement for: XXX XXX | XXX: Uploaded Credit Approval for Room by Room rental so as long as rent is properly displayed along with the appraisal to match |  | XXX: 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 |
| 2026400113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/17/2025 | 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 |
| 2026400123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: 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 |
| 2026400121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/17/2025 | 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 |
| 2026400147 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing Residential Lease Agreement for: XXX XXX | XXX: Waived this because borrower at the time of closing did not have a lease in place. |  | XXX: Waived | 12/29/2025 | DSCR > XXX Fico XXX 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 |
| 2026400145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | XXX: Received | 12/30/2025 | 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 |
| 2026400149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/18/2025 | 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 |
| 2026400139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/19/2025 | 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 |
| 2026400133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/19/2025 | 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 |
| 2026400141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/19/2025 | 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 |
| 2026400125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Closing Documentation Missing or Defective | Closing Document Defective: The loan documents must be revised to correctly reflect XXX as the borrower on the note, with execution completed by the entity. |  |  | XXX: Rescinded | 12/23/2025 | 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 |
| 2026400111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/22/2025 | 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 |
| 2026400137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter in file does not reflect lending entity - XXX XXX. Please provide updated CPL. | XXX: Uploaded |  | XXX: 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 |
| 2026400135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/22/2025 | 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 |
| 2026400127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/22/2025 | 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 |
| 2026400143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/23/2025 | 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 |
| 2026400129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. | XXX: Uploaded |  | XXX: Received | 1/13/2026 | 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 |
| 2026400129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance Policy on file is missing policy number and does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the hazard insurance to reflect Policy Number and ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 1/13/2026 | 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 |
| 2026400129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | Missing Entirety of XXX Agreement. Please provide evidence of full XXX agreement. | XXX: Uploaded |  | XXX: Received | 1/12/2026 | 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 |
| 2026400131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Missing Evidence of Hazard Insurance for subject property: XXX XXX | XXX: Uploaded |  | XXX: Received | 1/6/2026 | 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 |
| 2026400159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Flood Certificate Missing or Defective | Missing Flood Cert for the Subject Property : XXX XXX, XXX, XXX XXX | XXX: Uploaded |  | XXX: Received | 1/15/2026 | 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 |
| 2026400163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | 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 |  | XXX: Received | 1/2/2026 | 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 |
| 2026400163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | XXX: Received | 1/2/2026 | 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 |
| 2026400157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | The Title (Preliminary) file does not reflect the Lending Entity or the Loan Amount. Please update the title commitment/Supplemental Report to reflect both. | XXX: Uploaded |  | XXX: Received | 1/6/2026 | 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 |
| 2026400157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Policy with XXX is missing the Mortgagee: XXX XXX and the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please provide updated HOI to reflect these for proper compliance. | XXX: Uploaded |  | XXX: Received | 1/6/2025 | 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 |
| 2026400157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter For : XXX XXX | XXX: Uploaded |  | XXX: Received | 1/7/2026 | 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 |
| 2026400151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Note Missing or Defective | Missing Execution Page of Note - Please provide page XXX of XXX of Note Document. | XXX: Uploaded |  | XXX: Received | 12/30/2025 | 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 |
| 2026400169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/30/2025 | 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 |
| 2026400181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/31/2025 | 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 |
| 2026400189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: Received | 1/1/2026 | 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 |
| 2026400165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/31/2025 | 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 |
| 2026400187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | DSCR Minimum Not Met | DSCR of XX/XX/XXXX < XXX Minimum Required. Using the Nationwide Appraisal Network (NAN) document on file, the estimated monthly income for the subject property is XXX making the DSCR XXX. |  |  | XXX Stated the NAN document should not have been uploaded and that they used the long term market rent to qualify and calculate DSCR. Long term market rent is XXX per monthnth making DSCR XXX. | 1/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | XXX: Received | 1/12/2026 | 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 |
| 2026400173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Active | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file is Missing Policy Number. Please provide updated HOI. | XXX: Uploaded |  | XXX: Received | 1/5/2026 | 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 |
| 2026400173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: Received | 1/12/2026 | 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 |
| 2026400185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded |  | XXX: Received | 1/12/2026 | 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 |
| 2026400171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: Received | 1/5/2026 | 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 |
| 2026400177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: Received | 1/5/2026 | 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 |
| 2026400183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/2/2026 | 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 |
| 2026400175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/2/2026 | 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 |
| 2026400179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | The Title Commitment in file does not reflect the lending entity - XXX om LLC and the Proposed Insurance Coverage is insufficient: XXX < XXX Minimum Required. Please update the title commitment to reflect the lending entity and sufficient coverage for proper compliance. | XXX: Uploaded |  | XXX: Received | 1/12/2025 | 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 |
| 2026400179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Insufficient Assets for Reserves | Borrower Reserves of XX/XX/XXXX months < XXX Months Minimum required | Uploaded 401k |  | Received | 1/26/2026 | 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 |
| 2026400179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Policy on file does not include Loss of Use Coverage. Please provide updated declarations page to show Loss of Use coverage. | XXX: Uploaded |  | XXX: Received | 1/15/2026 | 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 |
| 2026400167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/8/2026 | 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 |
| 2026400225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Subject Property Lease - Missing or Defective | The appraisal for subject property: XXX XXX States the property is XXX occupied in a XXX transaction and the photos show that the property is occupied. Please provide a lease for the subject property or an LOE for the property's occupancy. | XXX: Waived |  | XXX: Waived | 2/26/2026 | Fico XXX No XXX Lates 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 |
| 2026400209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Missing Evidence of Closing Protection Letter. | XXX: Uploaded |  | XXX: Received | 1/12/2026 | 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 |
| 2026400211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | credit | Title Insurance Missing or Defective | Title Insurance in file does not reflect the lending entity - XXX XXX. Please provide updated Title. | XXX: Uploaded |  | XXX: Received | 1/12/2026 | 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 |
| 2026400205 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/9/2026 | 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 |
| 2026400221 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/9/2026 | 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 |
| 2026400237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/9/2026 | 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 |
| 2026400193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: Received | 1/15/2026 | 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 |
| 2026400191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance Annual Premium For - XXX XXX, XXX XXX | XXX: Uploaded |  | XXX: Received | 2/10/2026 | 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 |
| 2026400231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/12/2026 | 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 |
| 2026400195 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | XXX: Received | 1/14/2026 | 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 |
| 2026400233 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/12/2026 | 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 |
| 2026400217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/12/2026 | 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 |
| 2026400199 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | XXX: 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 |
| 2026400227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Coverage Required. Please provide updated Title. | XXX: Uploaded |  | XXX: Received | 1/13/2026 | 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 |
| 2026400227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Policy on file has Loss of Use Coverage of XXX < XXX Minimum Required. Please provide updated HOI that provides at least XXX months of Loss of Use Coverage. | XXX: Rescinded |  | XXX: Rescinded | 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 |
| 2026400239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/12/2026 | 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 |
| 2026400207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/12/2026 | 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 |
| 2026400223 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: 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 |
| 2026400219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/13/2026 | 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 |
| 2026400215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded |  | XXX: Received | 1/15/2026 | 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 |
| 2026400229 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/14/2026 | 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 |
| 2026400201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/14/2026 | 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 |
| 2026400203 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded |  | XXX: Received | 1/15/2026 | 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 |
| 2026400197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/14/2026 | 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 |
| 2026400213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/14/2026 | 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 |
| 2026400243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy Number | Uploaded hazard policy |  | Received | 1/26/2026 | 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 |
| 2026400241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/15/2026 | 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 |
| 2026400235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/16/2026 | 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 |
| 2026400161 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/19/2026 | 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 |
| 2026400247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Cleared | XXXXX | Credit | Sales Contract Missing or Defective | Missing Operating Agreement for XXX XXX (Entity listed on the XXX Contract). Please provide Operating Agreement or XXX Agreement Addendum to clear. | XXX: Uploaded |  | XXX: Received | 2/4/2026 | 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 |
| 2026400249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | PUD Rider is Missing | PUD Rider is Missing The Appraisal reflects that the subject proerty is located in a PUD as well as the XXX A PUD Rider was not found in the loan file. | Document Uploaded. | 05/13/2026 | ; DOT and PUD Rider provided | 05/14/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report A Fraud Reports was not found in the loan file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 WVOE Missing | Borrower 1 WVOE Missing Based upon WVOE dated XX/XX/XXXX the borrower's bonus income reflects a declining trend. Bonus income has decreased by XXX% from XXX compared to XXX and Year to Date XXX bonus income further reflects a significant reduction compared to the previous years. Per Freddie Mac guidelines when fluctuating income reflects a decline greater than XXX% additional analysis and documentation are required to determine stability and likelihood of continuance. Employer to confirm the frequency and structure of the bonus structure, explain the decline from XXX to XXX verify whether the XXX bonus income is expected to be consistent with XXX levels. | Document Uploaded. We addressed this back in Sept | 03/17/2026 | Borrower 1 WVOE Provided | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the CD dated XXX/XXX/XXX. File does contain a COC, however an underestimation or receipt of an invoice is not a valid reason for the appraisal fee to increase. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 04/17/2026 | Cure package provided to the borrower within XXX days of discovery; exception downgraded to a 2/B | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The subject loan is a XXX of an investment property. A Business Purpose Affidavit/Disclosure was not found in the loan file. | XXX loans do not require a Business Purpose Affidavit | 04/08/2026 | Per client - XXX loans do not require a Business Purpose Affidavit - Rescinded | 04/09/2026 | C B A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% B1 Lender used combined income XXX for two XXX's using a XXX year average. However, the income is decling for both businesses so Audit used a XXX year average which is a combined XXX less, B2 was XXX% XXX of one of the businesses so that income was reduced by XXX as well. Additionally, there is a mortgage on the Credit Report that was not accounted for with a payment of $XXX. | Document Uploaded. We disagree, the credit report dated XX/XX/XXXX shows XXX balance/payment for the mortgage in question. | 03/26/2026 | Verified updated credit report with mortgage balance of XXX | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  |  | Third party valuation product provided within tolerance. CU score is XXX | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | Asset 2 Expired | Asset 2 Expired The assets in the loan file for Borrower 2 have expired. | Document Uploaded. | 03/18/2026 | Asset 2 Not Expired Or Not Applicable.; Asset 2 Not Expired Or Not Applicable.; XXX XXX Statements for March, April and May. | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The subject loan hazard insurance coverage is XXX the loan amount is XXX A cost to rebuild estimate was not found in the loan file. | Document Uploaded. | 03/16/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Explanation provided - Replacement cost coverage. | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide evidence Borrower received Homeownership Counseling Disclosure within required XXX days from initial 1003. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Please provide Intent to proceed. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property located in FEMA Declared Disaster Area with no subsequent property Inspection. |  |  | Property Inspection Provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. The subject property is a FEMA disaster case; however, the inspection report was not provided. |  |  | FEMA Post Disaster Inspection report was provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX appraisal returned no score. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing |  |  | ; ; Business Purpose Affidavit/Disclosure Provided | 02/20/2026 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a mortgage Statement, Tax Statement, Insurance Statement, and an HOA Statement for the Primary residence located at XXX XXX. | Document Uploaded. Credit Report shows XXX XXX is a VA loan. All government loans are escrowed. Mortgage Statement shows escrows. XXX shows the property is an SFR trherefore there is no HOA. | 03/11/2026 | Evidence of REO provided. | 03/12/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing the Business Purpose Disclosure. Lender to provide a copy of the executed Business Purpose Disclosure to complete the audit. | Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/08/2026 | Client Stated, Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. Rescinded | 04/09/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of the HOA dues for the properties at XXX XXX, XXX XXX and XXX XXX. Also missing tax certificate for the property at XXX XXX. File contains a tax certificate for the property at XXX XXX. Lender to evidence the HOA dues for all properties and the monthly tax escrow for the property at XXX XXX to complete the audit. | Client provided evidence for REO in condition; Document Uploaded. XXX XXX: There was no HOA on Schedule E so we did not verify it. Per XXX om the HOA dues are XXX per month. XXX XXX: There was no HOA on Schedule E so we did not verify it. Per XXX the HOA dues are XXX per month. XXX XXX: Please see attached tax bill and HOA verification. HOA is XXX per month. If we add all HOA dues to the liabilities, the adjusted DTI is XXX% which is within tolerance. | 03/19/2026 |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Loan file is missing the tax certificate to evidence the monthly tax escrow for the subject property to support tax escrow of $XXX/m. Lender to evidence the monthly tax escrow for the subject property to complete the audit. | The subject is new construction. I checked the county website and the taxes still have not been assessed. I trust the title company used an estimate based on current tax rates. I don't think I've been asked to verify the source of a title company's tax figures. Can we work without it? Thanks! | 03/18/2026 | Rescinded - New construction. Taxes used meet guides. | 03/19/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Loan file is missing final XXX/final approval. Lender to provide a copy of the final XXX/final approval to complete the audit. | Document Uploaded. | 03/18/2026 | Approval/Underwriting Summary is fully present; XXX provided | 03/19/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing the 1-4 Family Rider and the Planned Unit Development Rider. Lender to provide complete fully executed 1-4 Family Rider and the Planned Unit Development Rider. | Document Uploaded. DOT & Riders in file. | 03/11/2026 | The Deed of Trust is Present and Complete; DOT and riders provided | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Loan file is missing third party Fraud Report, exclusionary list and OFAC check. Lender to provide a copy of the third party Fraud Report including the exclusionary list and OFAC check for review to complete the audit. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In XXX" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in XXX, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation date XXX/XXX/XXX. The exception can be cured by providing evidence borrower received the Loan Estimate at least XXX days prior to consummation. | Document Uploaded. | 03/17/2026 | Revised LE receipt date provided; exception resolved | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026400267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026400269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The third party fraud report is not in the file |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  |  | ; Third party valuation product provided within tolerance. | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation for the following Other REO's: XXX XXX, XXX XXX for HOA monthly payment of XXX XXX, XXX XXX for HOA monthly payment of $XXX. XXX XXX, XXX XXX for HOA monthly payment of $XXX. XXX XXX, XXX XXX escrow monthly payment of XXX. | Document Uploaded. All HOAs came from the sch E and XXX XXX XXX was a calculation for insurance but is free & clear which means Insurance is not required. | 03/17/2026 | Evidence provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Borrower 1 Paystubs Missing | Document Uploaded. Paystubs & W2 | 03/17/2026 | Borrower 1 Paystubs Provided; Evidence provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. Borrower 1 W2/1099 Missing. | Document Uploaded. Paystubs & W2 | 03/17/2026 | Borrower 1 W2/XXX Provided | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report was not provided for review |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report was not available at the time of review |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report is not in file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided AUS report is missing some pages | Document Uploaded. AUS #XXX in file with all pages | 03/17/2026 | AUS is not incomplete; Full report provided | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. Longevity with employer. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Longevity with employer. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Grading updated to B; additional TPV was required to support value.; Third party valuation product provided within tolerance.; ; AVM received, value not supported. | 05/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026400287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Settlement or Closing Fee, $XXX to XXX for the Title Endorsement Fee and the addition of the Notary Fee of XXX Technology Fee of XXX Title - Municipal Lien Fee of XXX all on the CD dated XX/XX/XXXX without a Valid COC. COC in the file dated XX/XX/XXXX does not provide a valid reason for the increase. | Document Uploaded. | 03/26/2026 | Cure package provided within XXX days of discovery; exception downgraded to a 2/B | 03/27/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026400287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026400289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | Document Uploaded. | 03/19/2026 | Property Inspection Provided.; Inspection Detail Report provided | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. |  |  | FEMA Post Disaster Inspection report was provided. | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. LCA Risk could not be assessed for this submission |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided (XXX page) | Document Uploaded. | 03/11/2026 | AUS is not incomplete; LP dated XX/XX/XXXX provided | 03/12/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | AVM provided.; Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/18/2026 | D B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 2026400299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU/LP Appraisal Waiver |  |  | AVM provided. | 03/18/2026 | D B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 2026400299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 2026400301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Missing Insurance obligation. Provide HO XXX premium for subject property to verify monthly obligation does not exceed XXX | Borrower was qualified with HOI of XXX per month however since the Master HOA Insurance covers XXX% "Walls In" coverage, borrower did not obtain an H-XXX policy. | 03/17/2026 | Per client, "Borrower was qualified with HOI of XXX per month however since the Master HOA Insurance covers XXX% "Walls In" coverage, borrower did not obtain an H-XXX policy." Rescinded | 03/18/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Missing Insurance obligation. Provide HOI premium forXXX XXX to verify monthly obligation does not exceed $XXX. XXX Missing Taxes and Insurance obligation. Provide Tax bill and HOI premium for XXX XXX Street to verify monthly obligation does not exceed XXX | Document Uploaded. The HOI for XXX XXX is on a policy with XXX properties. XXX + XXX + XXX = $XXX/XXX = XXX + XXX + XXX = $XXX/XXX = XXX + Taxes XXX ($XXX/XXX) = $XXX. | 03/17/2026 | REO evidence provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided The LPA Findings report uploaded to the file is incomplete. Not all pages were provided. A full, unaltered copy of the LPA Findings is required to validate AUS results, risk class messages, and documentation requirements. Please provide the complete LP Findings report, including all pages, in the same order generated by LPA. The findings must be included in the file to support AUS decisioning and satisfy Freddie Mac documentation requirements. | Document Uploaded. AUS #XXX. All pages present | 03/17/2026 | AUS is not incomplete; All pages uploaded | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report was not provided in the file at the time of review |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Unable to locate fraud report in file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a HOA Statement or a letter of no HOA for the primary residence located at XXX XXX. | Document Uploaded. No HOA see attached | 03/26/2026 | HOA provided | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a copy of a third party Valuation product. |  |  | Document Uploaded. AVM provided.; Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Grading updated to B; additional TPV was required to support value.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; ; Document Uploaded. AVM updated. | 05/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary Title Proposed Amount reflect XXX but the Note reflect XXX |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify monthly HOA of XXX for borrower's primary residence at XXX XXX | Document Uploaded. Dues are quarterly $XXX/XXX = XXX | 03/17/2026 | Evidence provided. | 03/18/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing | Document Uploaded. | 03/17/2026 | Evidence provided - Rescinded due to guides reflecting earnings Statement sufficient | 03/18/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX asset Statement and XXX asset Statement are missing pages. | Document Uploaded. ; Document Uploaded. | 03/13/2026 | Asset Qualification Meets Guideline Requirements; Assets provided. ; Countered - Client provided XXX evidence however still missing evidence of XXX assets | 03/16/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page #XXX | Document Uploaded. | 03/11/2026 | The Deed of Trust is Present and Complete; DOT and Riders provided | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided LP most recent submission #XXX is missing pages. Please provide Final LP Run | Document Uploaded. | 03/11/2026 | AUS is not incomplete; LP dated XX/XX/XXXX provided | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Credit | XXX Contract is Incomplete | XXX is XXX but XXX Contract Doc is Incomplete Missing page #XXX of the XXX contract |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Master Insurance Policy is missing | Document Uploaded. H06 is not a Master - the wording of your finding is misleading | 03/11/2026 | HO-6 Master Insurance Policy is fully present; Master and HO6 provided. | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  |  | ; Third party valuation product provided within tolerance. | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX account Statements had numerous missing pages. | Document Uploaded. | 03/11/2026 | Asset Qualification Meets Guideline Requirements; Full Statements provided | 03/12/2026 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided Missing a full copy of the AUS v6. | Document Uploaded. | 03/11/2026 | AUS is not incomplete; LP dated XX/XX/XXXX provided. | 03/12/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. AUS reflects appraisal waiver utilized. |  |  | ; Property Inspection Waiver or Appraisal Waiver used as origination valuation product.; AVM provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AUS reflects Appraisal Waiver utilized. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; AVM provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided Missing a full copy of the AUS version XXX | Document Uploaded. | 03/11/2026 | AUS is not incomplete; LP dated XX/XX/XXXX provided | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report is missing |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP was not provided at the time of review |  |  | Document Uploaded. AVM received. | 03/18/2026 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. AUS/DU reflects Appraisal Waiver utilized |  |  |  |  | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report was not provided for review |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | XXX loans do not require a Business Purpose Affidavit | 04/08/2026 | Per client, XXX loans do not require a Business Purpose Affidavit - Rescinded | 04/09/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. SSR's were missing from the file. |  |  | Document Uploaded. AVM provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation for primary housing expense PITIA XXX XXX | Document Uploaded. Credit Report was used for PITI. Credit Report shows FHA loan. Therefore HOI & Taxes are automatically escrowed. | 03/17/2026 | Per client, "Credit Report was used for PITI. Credit Report shows FHA loan. Therefore HOI & Taxes are automatically escrowed." Rescinded | 03/18/2026 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Not provided |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP in file reflects FNMA analysis not performed for this non-UAD form type. Subject appraisal is XXX notes reflect No UCDP due to mulit unit property, newly constructed XXX unit with public utilities and access, comps similar in size and area. |  |  | Third party valuation product provided within tolerance. | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400341 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation is missing |  |  | Grading updated to B; additional TPV was required to support value.; Third party valuation product provided within tolerance.; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. AVM received. | 05/20/2026 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400341 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400341 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA CU score is XXX and FHLMC is not eligible and the file does not contain a copy of a third party valuation product. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. We are missing documentation for verification of the additional assets for reserves in the amount of XXX | Document Uploaded. See uploaded HELOC acct XXX for XXX | 03/17/2026 | Funds are found to meet guidelines.; Assets provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report not in file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA analysis was not performed. FHLMC R&W relief not eligible. |  |  | Grading updated to B; additional TPV was required to support value.; Third party valuation product provided within tolerance. | 05/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report is missing from file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Compliance | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v) he post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | Cure package provided to borrower within XXX days of discovery. Exception rescinded. | 03/23/2026 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for Mortgage Recording Fees on the Initial CD dated XXX/XXX/XXX. No COC was found in the file. | Document Uploaded. | 03/23/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing satisfactory documentation to verify current housing rental expense $XXX/m. Housing rental expense per DU cert see item #XXX requires lease agreement and XXX months cancelled checks or equivalent. Loan file only contains the current lease. | Document Uploaded. See uploaded Two month rent payments, BILT Statement, for June and July for renting of primary - these were already provided | 03/17/2026 | Housing History Meets Guideline Requirements; Payment confirmation provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in fees in section C exceeding XXX% tolerance. File Missing Settlement Service Provider List which would show borrower had ability to shop. A SSPL dated within XXX days of application could impact finding that a cure is required. | Document Uploaded. | 03/25/2026 | SSPL provided; exception resolved; SSPL provided; exception resolved | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Please provide proof Intent to Proceed was signed by the borrower. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026400359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400369 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400369 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400369 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Desk Review/CDA is required |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. In Credit Report page XXX is missing | Document Uploaded. | 03/13/2026 | Borrower 1 Credit Report is not partially present.; Updated Credit Report received. | 03/15/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is required |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026400375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026400375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Open | XXXXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Appraisal Waiver which is not a full appraisal. |  |  | ; Document Uploaded. AVM received. | 05/18/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026400377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a third Party valuation product. |  |  | Grading updated to B; additional TPV was required to support value.; Third party valuation product provided within tolerance.; Document Uploaded. AVM received. | 05/20/2026 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided The most recent LP is missing the pages with the Mortgage Details, Property details, Assets, and additional pages. | Document Uploaded. | 03/11/2026 | AUS is not incomplete; LP provided with date of XXX/XXX/XXX. | 03/12/2026 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund check, and Proof of Delivery or Valid COC. The tolerance is due to increased Discount Point Fee from XXX on the initial LE dated XXX/XXX/XXX, to XXX on the initial CD dated XX/XX/XXXX without a valid COC in file. Tolerance cure of XXX on the final CD dated XX/XX/XXXX was sufficient to cover the Credit Report Fee increase. Per the lenders compliance report the revised LE dated XX/XX/XXXX is missing from the file. Please provide a valid COC or cure package. | Document Uploaded. | 03/10/2026 | Revised LE and valid COC provided; exception resolved; Revised LE and valid COC provided; exception resolved | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is XXX Third Party Valuation Document was not Provided |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report Missing in file |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the fraud report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). There is no evidence of Appraisal delivery to the borrower at least XXX business days prior to the consummation date of XXX/XXX/XXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Property is a multi-unit so the UCDP scores are not provided. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The third party valuation product was not provided. |  |  | Grading updated to B; additional TPV was required to support value.; Third party valuation product provided within tolerance. | 05/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2026400413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Since the CU score exceeds XXX a desk review is required. |  |  | Third party valuation product provided within tolerance.; AVM provided. | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | B | B D C | B D C | B D C | B D C | B D C | B A | B A | B A | B A | B A | B |
| 2026400413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | B D C | B D C | B D C | B D C | B D C | B A | B A | B A | B A | B A | B |
| 2026400413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A C | B | B D C | B D C | B D C | B D C | B D C | B A | B A | B A | B A | B A | B |
| 2026400415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. 1-4 Family Rider not found in file. | Document Uploaded. | 03/11/2026 | Provided | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Unable to locate Deed of Trust in file. | Document Uploaded. | 03/11/2026 | The Deed of Trust is Present; DOT and riders provided. | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required to clear exception: Please provide the Initial Escrow Account Disclosure |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per XXX shows no Appraisal and AUS Reflects special feature code XXX Hence consider Property inspection waiver as per AUS Property Inspection waiver is present in File, So Valuation type updated as None - Appraisal Waiver. |  |  | Document Uploaded. AVM provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026400423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is XXX TPV is required. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing VVOE is missing for Borrower 1. | Document Uploaded. | 03/17/2026 | Client provided DU snippet reflecting, reps and warranties relieved if closed prior to XXX/XXX. Rescinded. | 03/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400435 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400435 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400435 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  |  |  |  | B A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2026400439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. | Document Uploaded. | 03/16/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; HOI provided dated XX/XX/XXXX | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Provide evidence borrower was in receipt of the appraisal at least XXX business days prior to consummation or borrower's selection of the appraisal timing waiver. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure is Missing. | XXX loans do not require a Business Purpose Affidavit | 04/08/2026 | ; Per client - XXX loans do not require a Business Purpose Affidavit - Rescinded | 04/09/2026 | D B A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D B A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D B A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). |  |  |  |  | D B A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Document Uploaded. AVM provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 2026400451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report added to XXX to XXX for the credit supplement. COC's were provided, however were not accepted because it did not provide a valid reason for the increase. | You comments State - Valid COC explanation from lender provided; exception resolved. - please update to resolved and not counter; The increase in the credit report fee resulted from the borrower's frozen credit. Lender was forced to re-pull and incurred an additional charge. A CoC was re-disclosed to the borrower | 03/25/2026 | Valid COC explanation from lender provided; exception resolved.; Valid COC explanation from lender provided; exception resolved.; Valid COC explanation from lender provided; exception resolved.; Valid COC explanation from lender provided; exception resolved. | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D provided reflects the required repairs as incomplete. XXX not yet replaced. Estimated Cost of replacement S1300. 1004D reflecting XXX replacement is required. | Document Uploaded. | 03/16/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; As-is completion report provided. | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Exception tied to Initial LE Delivery test. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. |  |  | Received app date - exception resolved; Received app date - exception resolved | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | Exception tied to Initial LE Delivery test. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | Received Initial LE and app date - exception resolved; Received Initial LE and app date - exception resolved | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | Exception tied to Initial LE Delivery test. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). |  |  | Received Initial LE and app date - exception resolved; Received Initial LE and app date - exception resolved | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Documentation required: Please provide the Initial LE dated within XXX days of the loan application date of XXX/XXX/XXX. The Lock Agreement in the loan file reflects an application date of XXX/XXX/XXX. The Disclosure Tracking Summary in the loan file reflects an application date of XXX/XXX/XXX. Please provide clarification for discrepancy and/or Initial LE. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Document Uploaded. | 03/24/2026 | Received Initial LE and app date - exception resolved; Received Initial LE and app date - exception resolved | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026400461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP score XX/XX/XXXX hence provided third party valuation is not within the tolerance. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score XX/XX/XXXX |  |  | Third party valuation product provided within tolerance. | 03/23/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Evidence of Property Tax Missing | Lender to provide recent tax bill for XXX XXX. | Document Uploaded. | 03/17/2026 | CD provided evidencing taxes as requested. Resolved. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing letter of explanation | Lender to provide Signed Letter Of Explanation from borrower addressing if there are hoa dues attached to XXX-XXX XXX and XXX XXX. | Document Uploaded. No HOA LOE for both properties | 03/17/2026 | HOA attestation provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The file does not contain a copy of the verification of income with a WVOE, or a paystub and W2 verifying the income. | Document Uploaded. Income was approved through DU XXX with XXX report | 03/17/2026 | Rescinded - Approved through DU XXX and verified with XXX paystub evidence. | 03/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain evidence of the Mortgage Statement, Tax Statement, Insurance Statement, and the HOA Statement or letter of no HOA for the property located at XXX XXX. The file does not contain an HOA Statement or letter of no HOA for the properties located at XXX XXX, XXX XXX, XXX XXX, and XXX XXX. | Document Uploaded. LOX stating there is no HOAs and PITI for XXX XXX | 03/25/2026 | Evidence provided regarding HOAs in question as well as PITI for XXX. | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | XX/XX/XXXX | Open | XXXXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The file does not contain a copy of the Lender loan approval or XXX |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026400493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Please provide Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Underwriter Risk Score is XXX/ Duplicate condition |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report required |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum | Audited AUS Interested Party Contribution of XXX% exceeds maximum AUS interested party contribution standards of XXX% The difference is taxes doesn't matches with lender qualified since the property is under construction and the calculated DTI is XXX%. So interested party contribution exceeds XXX% | Document Uploaded. XXX% of 320K = XXX XXX - XXX + XXX XXX = XXX Orig XXX Processing = XXX | 03/17/2026 | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. B2 - Identification doc missing in this file. Required Identification doc to verify ID information. | Document Uploaded. | 03/24/2026 | Photo Identification provided.; Patriot Act and ID provided. | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Not Provided | Missing AUS Lender to provide DU case # XXX | Document Uploaded. | 03/17/2026 | AUS is not missing; DU provided. | 03/18/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing hazard insurance document for XXX XXX XXXXX XXX. | Document Uploaded. LOE | 03/18/2026 | Borrower explanation in file regarding tax condition. | 03/19/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The HO-6 Insurance Policy has an effective date of XXX/XXX/XXX, and, the Final CD verifies the disbursement date of XXX/XXX/XXX; therefore, the previous HO-6 Insurance Policy is not required. Per CD - Closing date XXX/XXX/XXX. Disbursement date XXX/XXX/XXX. |  |  | Invalid | 02/20/2026 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide a valid hazard insurance policy for the property located at XXX. | Document Uploaded. | 03/17/2026 | Insurance cert as requested. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | For the Property - XXX XXX Mortgage Statement document missing | Document Uploaded. | 03/18/2026 | CD provided for XXX | 03/19/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Per the appraisal report, the appraisal is subject to an inspection to ascertain the source of dampness in the subject property's basement; therefore, a 1004D inspection report is required, but was missing from the loan file. Please provide evidence the inspection was completed. | Document Uploaded. | 03/16/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Completion report provided. | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing occupancy Affidavit document missing | Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/08/2026 | Per client - Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | AUS Not Provided | Missing AUS Per XXX this is a LPA which is Missing in file, however there is a DU Approved/Eligible in file. | Document Uploaded. | 03/17/2026 | AUS is not missing; Corrected XXX provided | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided in file, Patriot Act document Showing Blank page | Document Uploaded. | 03/16/2026 | Photo Identification provided.; Patriot Act provided | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Borrower 2 Photo Identification not provided in file, Patriot Act document Showing Blank page | Document Uploaded. | 03/16/2026 | Photo Identification provided.; Patriot Act provided | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit Missing in File | Document Uploaded. | 03/16/2026 | Rescinded - Pr client, "This is a XXX transaction with points and fees less than XXX% therefore a business purpose affidavit is not required. The Occupancy Affidavit is sufficient" | 03/17/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In XXX" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The earliest CD in the loan file was issued on XX/XX/XXXX and signed XXX/XXX/XXX. The receipt date is less than XXX business days from the notary/consummation date of XX/XX/XXXX in the loan file. | Document Uploaded. ; Document Uploaded. | 04/27/2026 | Lender confirmed consummation date was actually XXX/XXX/XXX; exception resolved; Lender confirmed consummation date was actually XXX/XXX/XXX; exception resolved; Initial CD dated XX/XX/XXXX provided however, borrower viewed and signed XXX/XXX/XXX. Notary date was XX/XX/XXXX on the Deed of Trust and does not meet XXX day timing requirements. Exception remains. | 04/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit is missing in File | Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/08/2026 | Per client, Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | XXX XXX account on Final 1003 with balance of XXX is not listed on the credit report | Document Uploaded. XXX account with XXX balance listed on credit report uploaded | 03/17/2026 | CR showing XXX with no balance provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | Charges That Cannot Increase Test | TILA 130 required; A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the LE issued XXX/XXX without a valid reason (Appraiser invoice returned higher than quote is not a valid reason for increase). | Document Uploaded. | 03/12/2026 | Cure package provided to the borrower within XXX days of discovery; exception downgraded to a 2/B; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 03/14/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026400563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit Missing in file. | Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/08/2026 | Per client, Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure - Rescinded | 04/09/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP FNMA Risk Score is More than XX/XX/XXXX |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Letter of Explanation (Credit) | Evidence primary residence XXX XXX is free and clear – hazard insurance reflect a lien from XXX. | Document Uploaded. See uploaded Hazard Policy #XXX, mortgagee XXX Bank, acct XXX and Credit report with acct XXX was paid off as of XX/XX/XXXX - already provided in original submission | 03/17/2026 | Evidence provided paid in full. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | For the property at XXX XXX, the Monthly Association Dues are listed similarly to Insurance and Taxes; however, these are already escrowed. Additionally, the HOA documents are missing from the loan file | Document Uploaded. It should be XXX per the mortgage Statement in file for taxes and insurance, not XXX but regardless, the $XXX/$XXX is only for taxes and insurance. There is no HOA as this property is a single family home that is not a PUD | 05/01/2026 | Web printout and Statement provided. Client comment, "It should be XXX per the mortgage Statement in file for taxes and insurance, not XXX but regardless, the $XXX/$XXX is only for taxes and insurance. There is no HOA as this property is a single family home that is not a PUD" Resolved - No HOA | 05/01/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX XXX - in this Property HOA Documents is missing - Please upload documentation to support HOA dues in the amount of XXX | Document Uploaded. ; Document Uploaded. HOA payment | 03/25/2026 | HOA evidence provided; Counter - Client sent in XXX copy of check - XXX XXX - in this Property HOA Documents is missing - Please upload documentation to support HOA dues in the amount of XXX | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report - required by guidelines Please upload a Third Party Fraud Report to the file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score was XXX No third party valuation was provided. |  |  | Document Uploaded. AVM provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing supporting documentation for Other REO's that were included in DTI calculation. XXX XXX, XXX XXX monthly payment of XXX with UPB of $XXX.(XXX #XXX) XXX XXX XXX XXX XXX monthly payment of XXX with UPB of XXX (XXX #XXX) | Document Uploaded. See uploaded for HELOC #XXX Statement and Sold Settlement Statement for [XXX XXX.] - Provided in original submission | 03/17/2026 | Evidence provided. HELOC for XXX and CD for XXX. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026400579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | XX/XX/XXXX | Open | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2026400581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score of XX/XX/XXXX exceed the max of XXX So desk review is required |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Rescinded | XXXXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing | Subject loan is a XXX of in Investment Property. XXX would not require a Business Purpose Disclosure. | 04/08/2026 | Per client - XXX loans do not require a Business Purpose Affidavit - Rescinded | 04/09/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements | Document Uploaded. Per the mortgage Statement, the loan is in the name of XXX XXXXXX. This is why it's not on the borrower's credit report. | 03/18/2026 | Housing History Meets Guideline Requirements; Mtg Statement provided evidencing borrower resides but doesn't own. | 03/19/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. |  |  | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 03/19/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is required |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is Missing |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report missing in this file. |  |  | Client has agreed to Acknowledge : full doc-XXX loans and XXX has internal Fraud checks completed. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX XXX - For this Property XXX Supporting doc is missing. | Document Uploaded. XXX XXX Taxes are XXX & HOA is XXX (see last pg for latest payment) | 03/17/2026 | Evidence provided. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026400595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026400597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA CU score is XXX and XXX is not eligible. The file does not contain a third party valuation product. |  |  | Third party valuation product provided within tolerance. | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026400153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 12/30/2025 | 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 |
| 2026400155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/29/2026 | 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 |
| 2026400245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines |  |  |  | 1/22/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.4 - SCHEDULE 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2026400001 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400003 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400005 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2026400007 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400009 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400011 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400013 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026400015 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400017 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2026400019 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026400021 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400023 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400025 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400027 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400029 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400031 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400033 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400035 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400037 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400039 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400041 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026400043 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400045 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400047 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400049 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400051 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400053 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400055 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400057 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400059 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400061 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026400063 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400065 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400067 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400069 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400071 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400073 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026400075 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400077 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026400079 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2026400081 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400083 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400085 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400087 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400089 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026400091 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400093 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400095 | XXXXX |  | $XXXXXX A | A | A | A | A | A D | A | A | A | A | A |
| 2026400097 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400099 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400101 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026400103 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400105 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400107 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400109 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400111 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400113 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400115 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400117 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400119 | XXXXX |  | $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 |
| 2026400121 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400123 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400125 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400127 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400129 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 2026400131 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400133 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400135 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400137 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400139 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400141 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400143 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400145 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400147 | XXXXX |  | $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 |
| 2026400149 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400151 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400153 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400155 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400157 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400159 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400161 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400163 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400165 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400167 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400169 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400171 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400173 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400175 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400177 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400179 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400181 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400183 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400185 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400187 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400189 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400191 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400193 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400195 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400197 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400199 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400201 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400203 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400205 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400207 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400209 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400211 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400213 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400215 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400217 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400219 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400221 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400223 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400225 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2026400227 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400229 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400231 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400233 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400235 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400237 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400239 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400241 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400243 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026400245 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026400247 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026400249 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400251 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400253 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400255 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400257 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400259 | XXXXX |  | $XXXXXX C | B | B | B | B | B C A | B | B | B | B | B A |
| 2026400261 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026400263 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400265 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400267 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026400269 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400271 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400273 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400275 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400277 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400279 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400281 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400283 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400285 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400287 | XXXXX |  | $XXXXXX D | C | C | C | C | C D A | B | B | B | B | B |
| 2026400289 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400291 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400293 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400295 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400297 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400299 | XXXXX |  | $XXXXXX D | A | A | A | A | A B D | A | A | A | A | A B |
| 2026400301 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400303 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400305 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400307 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400309 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400311 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400313 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400315 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 2026400317 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400319 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400321 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026400323 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400325 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400327 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400329 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 2026400331 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400333 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 2026400335 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400337 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400339 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400341 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2026400343 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400345 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400347 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400349 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 2026400351 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400353 | XXXXX |  | $XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2026400355 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2026400357 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2026400359 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400361 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400363 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400365 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400367 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400369 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400371 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400373 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400375 | XXXXX |  | $XXXXXX A | A | A | A | A | A B | A | A | A | A | A B |
| 2026400377 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400379 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 2026400381 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400383 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400385 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026400387 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400389 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400391 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400393 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400395 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400397 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400399 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2026400401 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400403 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400405 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400407 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400409 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400411 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 2026400413 | XXXXX |  | $XXXXXX D | B | B | B | B | B C D A | B | B | B | B | B A |
| 2026400415 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400417 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400419 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | B | B | B | B | B A |
| 2026400421 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2026400423 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400425 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400427 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400429 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400431 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2026400433 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400435 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400437 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2026400439 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400441 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400443 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | B | B | B | B | B A |
| 2026400445 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | B | B | B | B | B A |
| 2026400447 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400449 | XXXXX |  | $XXXXXX A | B | B | B | B | B C A | B | B | B | B | B A |
| 2026400451 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400453 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400455 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400457 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400459 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026400461 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400463 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400465 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400467 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400469 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400471 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400473 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400475 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400477 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400479 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400481 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400483 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400485 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400487 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400489 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400491 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026400493 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400495 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400497 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400499 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400501 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400503 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400505 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400507 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400509 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400511 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026400513 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400515 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400517 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400519 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400521 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400523 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400525 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400527 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400529 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400531 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400533 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400535 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400537 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400539 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400541 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400543 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400545 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400547 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400549 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400551 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400553 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400555 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400557 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400559 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400561 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026400563 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400565 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400567 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400569 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400571 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400573 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400575 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400577 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026400579 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | B | B | B | B | B A |
| 2026400581 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2026400583 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400585 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400587 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400589 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400591 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400593 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026400595 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2026400597 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |

---

## Exhibit 99.4

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.4 - SCHEDULE 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **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** |
| 2026400001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.58 | 72.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026400003 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400005 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.94 | 61.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400007 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.26 | 74.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026400009 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.65 | 17.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.2 |  |
| 2026400011 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.97 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400013 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400015 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0906 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0906 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400017 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.75 | 70.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400019 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.1 | 73.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2026400021 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400023 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0515 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0515 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2026400025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026400031 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 90.0 | 90.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400033 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.24 | 65.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026400035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.72 | 89.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2026400039 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.68 | 89.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400041 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2026400043 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2026400045 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026400047 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.57 | 74.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.1 | 66.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400051 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.14 | 79.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2026400053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400055 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400057 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.71 | 71.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400061 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.17 | 73.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026400065 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.29 | 73.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400067 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 67.11 | 67.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2026400069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 81.22 | 81.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026400071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400073 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2026400075 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.68 | 71.68 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400077 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400079 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | None - Appraisal Waiver | $XXX | 73.87 | 73.87 |  |  |  |  | $XXX | $XXX | -.0771 | AVM |  |  |  |  |  | $XXX | $XXX | -.0771 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400081 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026400083 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400085 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400089 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400093 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400095 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.37 | 73.37 |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0217 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026400097 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400099 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026400101 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400103 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.69 | 72.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026400105 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 71.75 | 71.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2026400107 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400109 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 18.73 | 18.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400111 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.61 | 30.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2026400113 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400115 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.8 | 79.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400117 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.09 | 34.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.10 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2026400119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400121 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400123 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400125 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026400127 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026400129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 62.36 | 62.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.43 | 71.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026400133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400135 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2026400137 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.33 | 57.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400139 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64 | 64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400141 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400143 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400145 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400147 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.45 | 52.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400149 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.48 | 44.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400151 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.58 | 66.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.51 | 65.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2026400155 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2026400157 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.91 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2026400159 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400161 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400163 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400165 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400167 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.25 | 74.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400169 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.78 | 72.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400171 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.51 | 70.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.76 | 75.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400175 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400177 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400179 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026400181 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400183 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400185 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2026400187 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026400189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400191 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400193 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400195 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400197 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2026400199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400203 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400205 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2026400207 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.36 | 45.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2026400209 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400211 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 68.42 | 68.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400213 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400217 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50 | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400219 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400221 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400223 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400225 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026400227 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.78 | 68.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026400229 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026400231 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.96 | 66.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2026400233 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400235 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400237 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400239 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.42 | 66.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400241 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400243 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 50 | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400245 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.57 | 26.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400247 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026400249 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.58 | 66.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400251 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400253 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400255 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400257 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.0 | 76.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026400259 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.2 | 71.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2026400261 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 71.48 | 71.48 | $XXX | $XXX | -.0893 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0893 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2026400265 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400267 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.11 | 62.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400269 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.16 | 63.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026400271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.43 | 64.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400273 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 67.21 | 67.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026400275 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026400277 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400279 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400283 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 71.43 | 71.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026400287 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1162 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1162 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2026400289 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026400291 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400293 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0353 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0353 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400295 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2026400297 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026400299 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | None - Appraisal Waiver | $XXX | 62.86 | 62.86 | $XXX | $XXX | -.0114 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0114 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400301 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026400303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026400305 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 61.04 | 61.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026400307 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0081 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0081 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2026400309 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400311 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.05 | 62.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2026400313 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0628 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0628 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2026400315 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 58.84 | 58.84 | $XXX | $XXX | -.2257 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2257 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400317 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026400319 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026400321 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2026400325 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2026400327 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400329 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | None - Appraisal Waiver | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0100 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0100 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400331 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 2026400333 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | None - Appraisal Waiver | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0968 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0968 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400335 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0206 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0206 | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400337 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 68.04 | 68.04 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400339 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400341 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.1946 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1946 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2026400343 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0678 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0678 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2026400345 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0175 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0175 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400349 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.4143 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.4143 | 50.0 | 0.5 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400351 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.97 | 54.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400353 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.86 | 71.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2026400355 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2026400357 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400359 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.41 | 69.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026400361 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.73 | 71.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400363 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400365 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 2026400367 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026400369 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400371 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0170 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0170 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2026400373 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400375 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | None - Appraisal Waiver | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0057 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0057 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400377 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400379 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.6034 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.6034 | 41.0 | 0.59 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400381 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.95 | 63.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026400383 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400385 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.81 | 73.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026400387 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0075 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0075 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2026400389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.1 | 64.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400391 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400393 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400397 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2026400399 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026400401 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.5 | 67.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0852 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0852 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400405 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.81 | 65.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400407 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400409 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400411 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.1938 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1938 | 50.0 | 0.5 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400413 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 | $XXX | $XXX | -.0892 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0892 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2026400415 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400417 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400419 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400421 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | None - Appraisal Waiver | $XXX | 71.42 | 71.42 | $XXX | $XXX | .0008 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0008 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026400423 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0200 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0200 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400425 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400429 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400431 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400433 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400435 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026400437 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400439 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400441 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.61 | 65.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400443 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400445 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026400447 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0593 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0594 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026400451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 66.67 | 66.67 | $XXX | $XXX | -.0429 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0429 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2026400453 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.39 | 74.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400457 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400459 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2026400461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400463 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400465 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2026400467 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400469 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400471 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0288 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0288 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400473 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400475 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0129 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0129 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2026400479 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400481 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400483 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400485 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400487 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400489 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.09 | 71.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026400491 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400493 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026400495 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400497 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400499 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400501 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0458 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0458 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026400503 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400505 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400507 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400509 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400511 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400513 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400515 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.17 | 64.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2026400521 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026400523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0100 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0100 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2026400525 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400527 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400529 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026400535 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400539 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026400543 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400545 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.89 | 70.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026400547 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.86 | 61.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.84 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2026400551 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400553 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026400557 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026400559 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.21 | 73.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026400561 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0690 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0690 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 2026400563 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0133 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0133 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2026400565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2026400567 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 2026400569 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026400571 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400573 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026400575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2026400577 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0561 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0561 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2026400579 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400581 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0042 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0042 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2026400583 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400585 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400589 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2026400591 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.01 | 72.01 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400593 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.42 | 65.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400595 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026400597 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0411 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0411 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |

---

## Exhibit 99.5

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**Exhibit 99.5**

![](ex995001.jpg)

HOMES 2026-NQM4<br>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<br>

**Executive Narrative**

**May 21, 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 seventy-one (71) 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 eight (8) ATR/QM Exempt loans, of which all are Business Purpose loans, and sixty-three (63) 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;&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;&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;&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;&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;&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;&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;&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;&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;&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;3.2.4 If required verify the presence of the current Loan Estimate (LE) at the time of origination

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

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

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

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

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

&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;3.5.5.5 Estimation
 of Property Value

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

&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;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;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;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;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;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;&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;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;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;&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;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;&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;&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;&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;&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;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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;3.5.14 Analysis
 to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE)
 and Final HUD-1

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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:

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

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

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

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

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

● 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.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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,

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

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

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

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

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

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

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;&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;• LTV
/ CLTV

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6.7** **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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:

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

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

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

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

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

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

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

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

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

● 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;&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:

● Three-day disclosure from application of the right to a free copy

● Written appraisal from certified or licensed appraiser

● Interior inspection

● Delivery of copies no later than three days prior to consummation

● If the property falls under the 'flipping' definition, a second appraisal is required and must document:

● The difference in the original sales price and the subsequent sales price

● Changes in market conditions

● 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;**3.7.** **TILA RESPA Integrated Disclosure Statement Of Work** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.3 If
 the valuation vendor does not supply the updated valuation product directly to the Consultant,
 the Client will authorize the valuation vendor to issue an attestation with sufficient
 information for the Consultant to determine the correct valuation product was utilized
 to verify the accuracy of the origination appraisal.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.1 –
 Timely payment posting

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.2 –
 Request for modification

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.3 –
 Property condition issues

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.4 –
 Change in occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.5 –
 Change in ability to pay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.2 Property
 appears to be occupied

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**13.** **Section 13.1 is hereby inserted into Exhibit A 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**14.** **Section 14.1 is hereby inserted into Exhibit A to the SOW as follows:** 

&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>**

![](ex995002.jpg)

**<u>Tape Discrepancies</u>**

![](ex995003.jpg)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one (1) obligor 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 May 21, 2026.

![](ex995004.jpg)

**<u>Loans Reviewed</u>**

**(71 Loans)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan ID** | &nbsp;&nbsp;**Loan ID** | &nbsp;&nbsp;**Loan ID** |
| &nbsp;&nbsp;488024847 | &nbsp;&nbsp;144715014 | &nbsp;&nbsp;634948817 |
| &nbsp;&nbsp;427378613 | &nbsp;&nbsp;743943119 | &nbsp;&nbsp;222044788 |
| &nbsp;&nbsp;997371248 | &nbsp;&nbsp;208385044 | &nbsp;&nbsp;676822333 |
| &nbsp;&nbsp;648958865 | &nbsp;&nbsp;819658299 | &nbsp;&nbsp;982818947 |
| &nbsp;&nbsp;950811936 | &nbsp;&nbsp;143388883 | &nbsp;&nbsp;684826065 |
| &nbsp;&nbsp;888128936 | &nbsp;&nbsp;717471380 | &nbsp;&nbsp;165278743 |
| &nbsp;&nbsp;499046759 | &nbsp;&nbsp;961121761 | &nbsp;&nbsp;304083678 |
| &nbsp;&nbsp;578006410 | &nbsp;&nbsp;230757008 | &nbsp;&nbsp;731451517 |
| &nbsp;&nbsp;837955698 | &nbsp;&nbsp;527341841 | &nbsp;&nbsp;611992624 |
| &nbsp;&nbsp;127517813 | &nbsp;&nbsp;611884721 | &nbsp;&nbsp;629091089 |
| &nbsp;&nbsp;495639546 | &nbsp;&nbsp;249864033 | &nbsp;&nbsp;598661088 |
| &nbsp;&nbsp;720046082 | &nbsp;&nbsp;240665802 | &nbsp;&nbsp;497129847 |
| &nbsp;&nbsp;883334762 | &nbsp;&nbsp;904515168 | &nbsp;&nbsp;904936898 |
| &nbsp;&nbsp;979899083 | &nbsp;&nbsp;187891653 | &nbsp;&nbsp;593981388 |
| &nbsp;&nbsp;800537638 | &nbsp;&nbsp;767018856 | &nbsp;&nbsp;571495356 |
| &nbsp;&nbsp;811882091 | &nbsp;&nbsp;335413468 | &nbsp;&nbsp;295739495 |
| &nbsp;&nbsp;709570519 | &nbsp;&nbsp;965323155 | &nbsp;&nbsp;485287221 |
| &nbsp;&nbsp;570156325 | &nbsp;&nbsp;103349722 | &nbsp;&nbsp;870879229 |
| &nbsp;&nbsp;140721132 | &nbsp;&nbsp;971766969 | &nbsp;&nbsp;617162787 |
| &nbsp;&nbsp;876032730 | &nbsp;&nbsp;254235958 | &nbsp;&nbsp;534199331 |
| &nbsp;&nbsp;715957340 | &nbsp;&nbsp;317085401 | &nbsp;&nbsp;826199045 |
| &nbsp;&nbsp;753086376 | &nbsp;&nbsp;510842642 | &nbsp;&nbsp;666733808 |
| &nbsp;&nbsp;687027635 | &nbsp;&nbsp;319476286 | &nbsp;&nbsp;894616607 |
| &nbsp;&nbsp;442396396 | &nbsp;&nbsp;846161393 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.5

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.5 - SCHEDULE 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 571495356 | XXXXXX |  | XXXXXX | 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 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No |  |
| 593981388 | XXXXXX |  | XXXXXX | 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 | 8.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 870879229 | XXXXXX |  | XXXXXX | 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 | 8.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 295739495 | XXXXXX |  | XXXXXX | 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 | 9.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 666733808 | XXXXXX |  | XXXXXX | 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 | Employed |  | No |  | Yes | Present |
| 485287221 | XXXXXX |  | XXXXXX | 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 | 6.693 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Retired |  | No |  | No |  |
| 676822333 | XXXXXX |  | XXXXXX | 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 | 6.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No |  |
| 634948817 | XXXXXX |  | XXXXXX | 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 | 7.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No |  |
| 319476286 | XXXXXX |  | XXXXXX | 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 | 7.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 617162787 | XXXXXX |  | XXXXXX | 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 | 7.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 971766969 | XXXXXX |  | XXXXXX | 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 | 6.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No |  |
| 222044788 | XXXXXX |  | XXXXXX | 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 | 7.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 187891653 | XXXXXX |  | XXXXXX | 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 | 6.605 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |
| 717471380 | XXXXXX |  | XXXXXX | 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 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 578006410 | XXXXXX |  | XXXXXX | 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 | 6.355 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 846161393 | XXXXXX |  | XXXXXX | 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 | 7.045 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No |  |
| 982818947 | XXXXXX |  | XXXXXX | 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 | 6.845 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Retired | No | No | No |  |
| 819658299 | XXXXXX |  | XXXXXX | 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 | 6.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 427378613 | XXXXXX |  | XXXXXX | 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 | Employed | No | No | Yes | Present |
| 510842642 | XXXXXX |  | XXXXXX | 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 | 7.0 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Retired | No | No | No |  |
| 767018856 | XXXXXX |  | XXXXXX | 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 | 8.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 497129847 | XXXXXX |  | XXXXXX | 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 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 684826065 | XXXXXX |  | XXXXXX | 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 | 6.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 904515168 | XXXXXX |  | XXXXXX | 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 | 6.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 743943119 | XXXXXX |  | XXXXXX | 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 | 6.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 904936898 | XXXXXX |  | XXXXXX | 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 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 103349722 | XXXXXX |  | XXXXXX | 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 | 6.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 143388883 | XXXXXX |  | XXXXXX | 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 | 7.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 254235958 | XXXXXX |  | XXXXXX | 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 | 6.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 488024847 | XXXXXX |  | XXXXXX | 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 | 6.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 249864033 | XXXXXX |  | XXXXXX | 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 | 6.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No |  |
| 715957340 | XXXXXX |  | XXXXXX | 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 | 7.339 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 144715014 | XXXXXX |  | XXXXXX | 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 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 753086376 | XXXXXX |  | XXXXXX | 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 | 6.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 335413468 | XXXXXX |  | XXXXXX | 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 | 6.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 687027635 | XXXXXX |  | XXXXXX | 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 |
| 826199045 | XXXXXX |  | XXXXXX | 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 | 6.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired |  | No |  | No |  |
| 598661088 | XXXXXX |  | XXXXXX | 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 |
| 731451517 | XXXXXX |  | XXXXXX | 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 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 317085401 | XXXXXX |  | XXXXXX | 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 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 611884721 | XXXXXX |  | XXXXXX | 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 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 611992624 | XXXXXX |  | XXXXXX | 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 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 965323155 | XXXXXX |  | XXXXXX | 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 | 6.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 208385044 | XXXXXX |  | XXXXXX | 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 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 709570519 | XXXXXX |  | XXXXXX | 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 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 570156325 | XXXXXX |  | XXXXXX | 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 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 894616607 | XXXXXX |  | XXXXXX | 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 | 6.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 883334762 | XXXXXX |  | XXXXXX | 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 | 6.998 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Retired | No | No | No |  |
| 961121761 | XXXXXX |  | XXXXXX | 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 | 6.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 495639546 | XXXXXX |  | XXXXXX | 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 | 6.594 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Retired |  | No |  | No |  |
| 499046759 | XXXXXX |  | XXXXXX | 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 | 8.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 230757008 | XXXXXX |  | XXXXXX | 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 | 6.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 800537638 | XXXXXX |  | XXXXXX | 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 | 6.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 811882091 | XXXXXX |  | XXXXXX | 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 | 7.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 648958865 | XXXXXX |  | XXXXXX | 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 | 6.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 876032730 | XXXXXX |  | XXXXXX | 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 | 7.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 997371248 | XXXXXX |  | XXXXXX | 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 | 6.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Retired | No | No | No |  |
| 165278743 | XXXXXX |  | XXXXXX | 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 | 7.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 527341841 | XXXXXX |  | XXXXXX | 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 | Employed | No | No | Yes | Present |
| 127517813 | XXXXXX |  | XXXXXX | 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 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 979899083 | XXXXXX |  | XXXXXX | 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 |
| 534199331 | XXXXXX |  | XXXXXX | 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 | 6.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 629091089 | XXXXXX |  | XXXXXX | 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 | 6.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 140721132 | XXXXXX |  | XXXXXX | 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 | 6.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 240665802 | XXXXXX |  | XXXXXX | 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 | 6.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No |  |
| 950811936 | XXXXXX |  | XXXXXX | 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 | Employed | Not Employed | No | No | Yes | Present |
| 888128936 | XXXXXX |  | XXXXXX | 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 | 7.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 442396396 | XXXXXX |  | XXXXXX | 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 | Employed | No | No | Yes | Present |
| 720046082 | XXXXXX |  | XXXXXX | 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 | 6.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 304083678 | XXXXXX |  | XXXXXX | 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 | 6.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 837955698 | XXXXXX |  | XXXXXX | 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 | 8.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.5

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.5 - SCHEDULE 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 666733808 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.83 | 49.78 | DTI difference is less than 1% and within lender tolerance.  |
| 676822333 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 72.30 | Asset Depletion Income. NO DTI |
| 319476286 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.73 | 20.26 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| 971766969 | XXXXXX |  | XXXXXX | 0627-013 | Borrower 2 First Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 971766969 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying CLTV | propertyValuationPage | 37.69 | 37.68 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 971766969 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying LTV | propertyValuationPage | 37.69 | 37.68 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 971766969 | XXXXXX |  | XXXXXX | 0627-013 | Borrower 2 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 187891653 | XXXXXX |  | XXXXXX | 0627-013 | Property Address | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 187891653 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 75.79 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| 982818947 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.96 | 28.93 | Audit liabilities were based on documents in the loan file.  |
| 427378613 | XXXXXX |  | XXXXXX | 0627-013 | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 427378613 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.35 | 43.48 | Audit liabilities were based on documents in the loan file.  |
| 743943119 | XXXXXX |  | XXXXXX | 0627-013 | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 904936898 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.11 | 37.18 | Audit reflects difference in qualifying P & I than the approval.  |
| 254235958 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 3.68 | 3.69 | DTI difference is less than 1% and within lender tolerance. |
| 488024847 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.13 | 44.14 | Rounding. |
| 335413468 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.32 | 41.33 | DTI difference is less than 1% and within lender tolerance. |
| 709570519 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.44 | 48.63 | DTI difference is less than 1% and within lender tolerance. |
| 883334762 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.7 | 49.96 | DTI difference is less than 1% and within lender tolerance.  |
| 230757008 | XXXXXX |  | XXXXXX | 0627-013 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Last name updated as per Note |
| 230757008 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0.8 | 0.87 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 800537638 | XXXXXX |  | XXXXXX | 0627-013 | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is considered as wage because business ownership is less than 25%. |
| 800537638 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.52 | 45.35 | DTI difference is less than 1% and within lender tolerance.  |
| 527341841 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.2 | 42.54 | Value pulled from documents in the loan file. |
| 534199331 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.67 | 32.93 | DTI difference is less than 1% and within lender tolerance.  |
| 629091089 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 3.65 | 3.66 | Rounding. |
| 240665802 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.37 | 50.38 | Asset Depletion No DTI |
| 950811936 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.3 | 44.31 | DTI difference is less than 0.1% and within lender tolerance.  |
| 304083678 | XXXXXX |  | XXXXXX | 0627-013 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.77 | 32.08 | B1 - XXXXXXXX XXXXX, XXX income of XX,XXX.XX considered twice in 1008, however we updated as per document. which leads to difference in DTI. |

---

## Exhibit 99.5

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.5 - SCHEDULE 3**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 571495356 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 593981388 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 870879229 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 295739495 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 666733808 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 485287221 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 676822333 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 634948817 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 319476286 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 617162787 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 971766969 | XXXXXX |  | XXXXXX | $XXXXXX D C A B |
| 222044788 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 187891653 | XXXXXX |  | XXXXXX | $XXXXXX D A |
| 717471380 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 578006410 | XXXXXX |  | XXXXXX | $XXXXXX B A |
| 846161393 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 982818947 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 819658299 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 427378613 | XXXXXX |  | XXXXXX | $XXXXXX C A B |
| 510842642 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 767018856 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 497129847 | XXXXXX |  | XXXXXX | $XXXXXX D A |
| 684826065 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 904515168 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 743943119 | XXXXXX |  | XXXXXX | $XXXXXX D C A B |
| 904936898 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 103349722 | XXXXXX |  | XXXXXX | $XXXXXX A C B |
| 143388883 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 254235958 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 488024847 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 249864033 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 715957340 | XXXXXX |  | XXXXXX | $XXXXXX A D |
| 144715014 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 753086376 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 335413468 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 687027635 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 826199045 | XXXXXX |  | XXXXXX | $XXXXXX D C A |
| 598661088 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 731451517 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 317085401 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 611884721 | XXXXXX |  | XXXXXX | $XXXXXX A C B |
| 611992624 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 965323155 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 208385044 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 709570519 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 570156325 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 894616607 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 883334762 | XXXXXX |  | XXXXXX | $XXXXXX A B |
| 961121761 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 495639546 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 499046759 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 230757008 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 800537638 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 811882091 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 648958865 | XXXXXX |  | XXXXXX | $XXXXXX C A B |
| 876032730 | XXXXXX |  | XXXXXX | $XXXXXX D A |
| 997371248 | XXXXXX |  | XXXXXX | $XXXXXX C A B |
| 165278743 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 527341841 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 127517813 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 979899083 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 534199331 | XXXXXX |  | XXXXXX | $XXXXXX A C B |
| 629091089 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 140721132 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 240665802 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 950811936 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 888128936 | XXXXXX |  | XXXXXX | $XXXXXX D C A B |
| 442396396 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 720046082 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 304083678 | XXXXXX |  | XXXXXX | $XXXXXX A |
| 837955698 | XXXXXX |  | XXXXXX | $XXXXXX A B |

---

## Exhibit 99.5

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.5 - SCHEDULE 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 870879229 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-05 14:36 | 2025-12-05 14:41 | 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 | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 295739495 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-05 13:30 | 2025-12-05 13:30 | 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-12/05/2025 |  | 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 | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 666733808 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-30 08:35 | 2025-12-30 08:37 | 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-12/30/2025 |  | 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-12/30/2025<br>|  |  |  | XX | Investment | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 971766969 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-29 08:09 | 2026-05-06 14:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/14/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Subject Property tax and second home tax and insurance document is missing. - Due Diligence Vendor-12/29/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/15/2026<br>| XXXXXXXXX_XXXXXXXXX_tax.pdf<br> XXXXXXXXX_XXXXXXXXX_2ndinsurance.pdf<br> XXXXXXXXX_XXXXXXXXX_2ndtax.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 971766969 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-29 09:50 | 2026-05-06 14:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Subject Property tax and second home tax and insurance document is missing. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/15/2026<br>| XXXXXXXXX_XXXXXXXXX_tax.pdf<br> XXXXXXXXX_XXXXXXXXX_2ndtax.pdf<br> XXXXXXXXX_XXXXXXXXX_2ndinsurance.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 971766969 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-29 10:17 | 2026-01-12 13:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for Second Home | Resolved-Lender provided proof of property tax, finding resolved. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Missing Evidence of Property Taxes for Second Home. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Lender provided proof of property tax, finding resolved. - Due Diligence Vendor-01/12/2026<br>| XXXXXXXXX_XXXXXXXXX_2ndtax.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 971766969 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-29 10:17 | 2026-01-12 13:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for Second Home | Resolved-Lender provided proof of insurance, finding resolved. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Missing Evidence of Insurance for Second Home. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Lender provided proof of insurance, finding resolved. - Due Diligence Vendor-01/12/2026<br>| XXXXXXXXX_XXXXXXXXX_2ndinsurance.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 971766969 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-29 09:09 | 2026-01-12 13:39 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Missing Evidence of Property Tax Evidence of Subject Property Tax Missing. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-01/12/2026<br>| XXXXXXXXX_XXXXXXXXX_tax.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 971766969 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-29 10:11 | 2025-12-29 10:11 | 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-12/29/2025 |  | 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-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 187891653 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-19 13:55 | 2026-01-26 12:11 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Finding resolved - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-01/26/2026 <br> Counter-Lender provided printscreen of LOS system showing debt of $XXX with utilizing 5% for payment totaling $XX.XX, provide actual statement for debt, finding maintained - Due Diligence Vendor-01/15/2026 <br> Acknowledged-Lender provided printscreen of LOS system showing debt of $XXX with utilizing 5% for payment totaling $XX.XX, provide actual statement for debt, finding maintained - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-01/14/2026 <br> Open-<> In final 1003 we have a liability amount of XX.XX, but we don't have the supporting document. - Due Diligence Vendor-12/19/2025 |  | Resolved-Finding resolved - Due Diligence Vendor-01/26/2026 <br> Acknowledged-Lender provided printscreen of LOS system showing debt of $XXX with utilizing 5% for payment totaling $XX.XX, provide actual statement for debt, finding maintained - Due Diligence Vendor-01/15/2026 | XXXXXXXXX_XXXXXXXXX_libility.pdf<br> XXXXXXXXX_XXXXXXXXX_Liability.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 578006410 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-19 12:51 | 2025-12-28 02:53 | 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 on disbursement date - Due Diligence Vendor-12/19/2025 |  | 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 on disbursement date - Due Diligence Vendor-12/19/2025 |  |  |  | XX | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 578006410 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2025-12-19 15:29 | 2025-12-28 02:52 | 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. Desk review - 449 page no. - Due Diligence Vendor-12/20/2025 |  | 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. Desk review - 449 page no. - Due Diligence Vendor-12/20/2025<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 982818947 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-03 19:10 | 2026-01-03 19:10 | 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-01/04/2026 |  | 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-01/04/2026<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 427378613 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-03 13:51 | 2026-02-10 14:24 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-B2 DL extension received. Resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please review and advise if attached document is sufficient to clear? - Buyer-02/06/2026 <br> Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-01/03/2026 |  | Resolved-B2 DL extension received. Resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/10/2026 | XXXXXXXXX_XXXXXXXXX_Updated_ID_XXXXXXXXX.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 427378613 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-03 15:55 | 2026-01-03 15:55 | 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-01/03/2026 |  | 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-01/03/2026<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 510842642 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-10 17:47 | 2026-02-10 17:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-CDA with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/10/2026 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-CDA with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/10/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Originator Post-Close | No |
| 497129847 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-02 12:21 | 2026-01-15 10:26 | Resolved | 1 - Information | Credit | Missing Doc | Title Document is Incomplete | Resolved-Lender provided Title document, finding resolved. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/14/2026 <br> Open-Title Document is illegible. - Due Diligence Vendor-01/02/2026 |  | Resolved-Lender provided Title document, finding resolved. - Due Diligence Vendor-01/15/2026<br>| XXXXXXXXX_XXXXXXXXX_TITLE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 743943119 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-04 13:45 | 2026-02-05 11:30 | Cured | 1 - Information | Credit | Missing Doc | Missing letter of explanation | Cured-LOE and tracking conformed. Issue cured - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD with LOE and XXXXX label. - Seller-02/04/2026 <br> Open-Received post consummation with corrected fee categories that cured tolerance issue. Provide supporting LOE to borrower and proof of delivery. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Please see attached PCCD with LOE and XXXXX label. - Seller-02/04/2026 | Cured-LOE and tracking conformed. Issue cured - Due Diligence Vendor-02/05/2026<br>| XXXXXXXXX_XXXXXXXXX_PCCDXXXXXLOE.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 743943119 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-12 15:21 | 2026-02-04 13:46 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Cured 2/3/2026 - Due Diligence Vendor-02/04/2026 <br> Cured-Cured 2/3/2026 - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see the attached PCCD - the Title Examination Fee was in the incorrect Section. This has been corrected and moved to Section C. Fees that Can Change. Borrower did not choose from our Provider List. - Seller-02/03/2026 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Title Examination on CD dated XX/XX/XXXX is $XXX.XX. LE dated XX/XX/XXXX lists fee as $0.00. This fee is in a 10% tolerance section. Lender tolerance cure of $XXX.XX is required. Section J reflects $XXX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the CPL and Title Insurance Binder Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Please see the attached PCCD - the Title Examination Fee was in the incorrect Section. This has been corrected and moved to Section C. Fees that Can Change. Borrower did not choose from our Provider List. - Seller-02/03/2026<br>| Cured-Cured 2/3/2026 - Due Diligence Vendor-02/04/2026 <br>Cured-Cured 2/3/2026 - Due Diligence Vendor-02/04/2026<br>| XXXXXXXXX_XXXXXXXXX_PCCD.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 743943119 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-12 15:20 | 2026-02-04 13:42 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Cured 2/3/2026 - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see the attached PCCD - the Title Examination Fee was in the incorrect Section. This has been corrected and moved to Section C. Fees that Can Change. Borrower did not choose from our Provider List. - Buyer-02/03/2026 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Title Examination on CD dated XX/XX/XXXX is $XXX.XX. LE dated XX/XX/XXXX lists fee as $0.00. This fee is in a 10% tolerance section. Lender tolerance cure of $XXX.XX is required. Section J reflects $XXX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the CPL and Title Insurance Binder Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 |  | Cured-Cured 2/3/2026 - Due Diligence Vendor-02/04/2026<br>| XXXXXXXXX_XXXXXXXXX_PCCD.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 743943119 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-12 15:43 | 2026-01-12 15:43 | 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-01/12/2026 |  | 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-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 103349722 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-04 11:25 | 2026-02-02 12:26 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Cured - Due Diligence Vendor-02/02/2026 <br> Cured-Cured - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Attached cure. PCCD, LOE and XXXXX - Seller-01/28/2026 <br> Open-Received PCCD. No additional cure was provided. Finding remains. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Ready for Review-in order to cure you are requesting an additional refund of $XX.XX? - Seller-01/22/2026 <br> Counter-COC applied to title insurance increase on XX/XX/XXXX LE. However, that fee as well as others increased after without a valid COC. Cure amount has been reduced, but issue not resolved. - Due Diligence Vendor-01/21/2026 <br> Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Attached updated PCCD. Please review and advise if sufficient to clear. - Seller-01/20/2026 <br> Counter-Lender provided COC for XX/XX/XXXX for title fee increase, missing disclosure for loan increase, finding maintained. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Attached COC. - Seller-01/16/2026 <br> Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $XXXX.XX The 10% fees reflected on the (Final / Post-Closing) CD dated XX/XX/XXXX total $XXXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/04/2026 | Ready for Review-Document Uploaded. Attached cure. PCCD, LOE and XXXXX - Seller-01/28/2026 <br> Ready for Review-in order to cure you are requesting an additional refund of $XX.XX - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. Attached updated PCCD. Please review and advise if sufficient to clear. - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. Attached COC. - Seller-01/16/2026 | Cured-Cured - Due Diligence Vendor-02/02/2026 <br>Cured-Cured - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX_XXXXXXXXX_COC_form.pdf<br> XXXXXXXXX_XXXXXXXXX_PCCD.pdf<br> XXXXXXXXX_XXXXXXXXX_check_XX.XX.pdf |  |  | XX | Second Home | Purchase | NA | XXXXXX | N/A | N/A |
| 103349722 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-04 11:25 | 2026-02-02 12:26 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Cured - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Attached Cure. PCCD, LOE and XXXXX - Buyer-01/28/2026 <br> Open-Received PCCD. No additional cure was provided. Finding remains. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Counter-COC applied to title insurance increase on XX/XX/XXXX LE. However, that fee as well as others increased after without a valid COC. Cure amount has been reduced, but issue not resolved. - Due Diligence Vendor-01/21/2026 <br> Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Updated PCCD. Please review and advise if this is sufficient to clear. and be more specific on the condition. - Seller-01/20/2026 <br> Counter-Lender provided COC for XX/XX/XXXX for title fee increase, missing disclosure for loan increase, finding maintained. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Attached COC - Buyer-01/16/2026 <br> Open-A Lender Credit for Excess Charges of (XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/04/2026 <br> Open- - Due Diligence Vendor-01/04/2026 | Ready for Review-Document Uploaded. Updated PCCD. Please review and advise if this is sufficient to clear. and be more specific on the condition. - Seller-01/20/2026<br>| Cured-Cured - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX_XXXXXXXXX_COC_form.pdf<br> XXXXXXXXX_XXXXXXXXX_PCCD.pdf<br> XXXXXXXXX_XXXXXXXXX_check_XX.XX.pdf |  |  | XX | Second Home | Purchase | NA | XXXXXX | N/A | N/A |
| 143388883 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-03 11:42 | 2026-01-03 11:42 | 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-01/03/2026 |  | 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-01/03/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 254235958 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-01 01:02 | 2026-01-01 01:02 | 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-01/01/2026 |  | 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-01/01/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 249864033 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-13 10:10 | 2026-01-13 10:10 | 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. Secondary valuation is with tolerance of 10%. - Due Diligence Vendor-01/13/2026 |  | 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. Secondary valuation is with tolerance of 10%. - Due Diligence Vendor-01/13/2026<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 715957340 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-02 10:07 | 2026-01-16 10:02 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender attestation no further disclosures provided to borrower, finding resolved. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-01/15/2026 <br> Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is incomplete - Due Diligence Vendor-01/02/2026 |  | Resolved-Lender attestation no further disclosures provided to borrower, finding resolved. - Due Diligence Vendor-01/16/2026<br>| XXXXXXXXX LOA.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 144715014 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-05 12:42 | 2026-01-05 12:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/05/2026 |  | 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-01/05/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 753086376 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-04 17:11 | 2026-01-04 17:12 | 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-01/04/2026 |  | 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-01/04/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 335413468 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-01 03:40 | 2026-01-01 03:40 | 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-01/01/2026 |  | 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-01/01/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 687027635 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-10 18:29 | 2026-02-10 18:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-CDA with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/11/2026 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-CDA with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/11/2026<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXXXX | Originator Post-Close | No |
| 317085401 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-01 05:35 | 2026-01-01 05:35 | 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-01/01/2026 |  | 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-01/01/2026<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 611884721 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-02 17:27 | 2026-02-02 12:17 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Cured - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-01/28/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Appraisal Fee on LE dated XX/XX/XXXX is $XXXX.XX. initial LE dated XX/XX/XXXX lists fee as $XXXX.XX. This fee is in a Charges That Cannot Increase tolerance section. Lender tolerance cure of $XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the recording Fee Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/02/2026 <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-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-01/28/2026<br>| Cured-Cured - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX_XXX_PCCD.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 611884721 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-02 17:27 | 2026-02-02 12:15 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Cured - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-01/28/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Appraisal Fee on LE dated XX/XX/XXXX is $XXXX.XX. initial LE dated XX/XX/XXXXX lists fee as $XXXX.XX. This fee is in a Charges That Cannot Increase tolerance section. Lender tolerance cure of $XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the recording Fee Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/02/2026 <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-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-01/28/2026<br>| Cured-Cured - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX_XXX_PCCD.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 570156325 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-03 00:01 | 2026-02-03 00:01 | 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. Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 883334762 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-10 18:23 | 2026-02-10 18:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-CDA with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/11/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-CDA with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/11/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Originator Post-Close | No |
| 648958865 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-17 16:02 | 2026-02-20 12:58 | Cured | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Per XXXXXX XXXXX email, all is needed to clear condition is copy of LOE and tracking. See attached. - Seller-02/20/2026 <br> Ready for Review-Please reveiw - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Uploaded a copy of refund check as XXXXXX XXXXX requested. - Seller-02/13/2026 <br> Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) . - Due Diligence Vendor-02/10/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. Settlement Agent fee does not present in Initial CD. However in Final CD it is present. - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. Per XXXXXX XXXXX email, all is needed to clear condition is copy of LOE and tracking. See attached. - Seller-02/20/2026 <br> Ready for Review-Please reveiw - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Uploaded a copy of refund check as XXXXXX XXXXX requested. - Seller-02/13/2026 | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/10/2026<br>| XXXXXXXXX_XXXXXXXXX_copy of refund check.pdf<br> XXXXXXXXX_XXXXXXXXX_copy check-tracking.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 648958865 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-17 16:02 | 2026-02-20 12:58 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Per XXXXXX XXXXX email, all is needed to clear condition is copy of LOE and tracking. See attached. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Uploaded a copy of refund check as XXXXXX XXXXX requested. - Seller-02/13/2026 <br> Open-. - Due Diligence Vendor-02/10/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. Per XXXXXX XXXXX email, all is needed to clear condition is copy of LOE and tracking. See attached. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Uploaded a copy of refund check as XXXXXX XXXXX requested. - Seller-02/13/2026 | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/10/2026<br>| XXXXXXXXX_XXXXXXXXX_copy of refund check.pdf<br> XXXXXXXXX_XXXXXXXXX_copy check-tracking.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 648958865 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-17 15:14 | 2026-02-12 23:37 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Updated PAF received. Resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-02/11/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Borrower 1 Photo ID is expired. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. see attached - Seller-02/11/2026<br>| Resolved-Updated PAF received. Resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/13/2026 | XXXXXXXXX_XXXXXXXXX_ID.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 876032730 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-18 05:39 | 2026-01-27 10:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Finding resolved - Due Diligence Vendor-01/27/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Hello,<br> Please see attached XX<br> Thank you, - Buyer-01/27/2026 <br> Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/18/2026 |  | Resolved-Finding resolved - Due Diligence Vendor-01/27/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/27/2026<br>| XXXXXXXXX_XXXXXX XXXX_Investorpackage.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 997371248 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-22 12:11 | 2026-02-10 12:20 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Non-US Document Identification is expired | Resolved-B2 I797 received. Issue resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Borrower 2 Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/05/2026 <br> Open-Borrower 2 Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. {B2} ID validated with acceptable documentation DL (Pg. 466) - Due Diligence Vendor-01/22/2026 |  | Resolved-B2 I797 received. Issue resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Borrower 2 Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/10/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 997371248 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-02 23:05 | 2026-02-02 23:05 | 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. Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 534199331 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-02-10 17:38 | 2026-02-10 17:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-CU score over 2.5, desk review with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/10/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-CU score over 2.5, desk review with sufficient value provided as a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-02/10/2026<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Originator Post-Close | No |
| 534199331 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-22 14:56 | 2026-01-26 12:26 | 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-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Desk Review. - Buyer-01/23/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a CDA desk review from XXXXX XXXXXXX when the CU score is greater than 2.5. The CU score was 4.2 and the CDA desk review was not provided in file. - Due Diligence Vendor-01/22/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/26/2026<br>| XXXXXXXXX_XXXXXX_DeskReview.pdf |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 888128936 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-29 19:09 | 2026-02-13 13:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter received. Resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/30/2026 |  | Resolved-CPA letter received. Resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2026<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 888128936 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-29 19:09 | 2026-02-13 13:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-CPA letter received. Resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Hello,<br> Please see attached CPA letter<br> Thank you, - Seller-02/13/2026 <br> Counter-DOS LLC Filing does not indicate the borrower's percent of ownership in the business. Not Resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Hello,<br> Please see attached Business Docs for review<br> Thank you, - Buyer-02/11/2026 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements Unable to verify borrowers % of ownership in the business. CPA letter in file is a corrupted document, unable to view. - Due Diligence Vendor-01/30/2026 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing VVOE and CPA letter in file is a corrupted document. Unable to verify ownership of borrowers business. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Hello,<br>Please see attached CPA letter<br>Thank you, - Seller-02/13/2026<br>| Resolved-CPA letter received. Resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/13/2026<br>| XXXXXXXXX_XXXXX_Business.pdf<br> XXXXXXXXX_XXXXX_CPALetter.pdf |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 888128936 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-30 12:24 | 2026-02-12 23:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Worksheet received. Resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Hello,<br> Please see attached income calc sheet<br> Thank you, - Seller-02/10/2026 <br> Open-Missing lenders bank statement income worksheet. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Hello,<br>Please see attached income calc sheet<br>Thank you, - Seller-02/10/2026<br>| Resolved-Worksheet received. Resolved. - Due Diligence Vendor-02/13/2026<br>| Income Calc Sheet.pdf |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 888128936 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-23 08:29 | 2026-02-12 22:57 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. Hello,<br>Please see attached appraisal form<br>Thank you, - Buyer-02/10/2026 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal sent to the borrower proof document is missing. - Due Diligence Vendor-01/23/2026 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/13/2026<br>| XXXXXXXXX_XXXXXX_Appraisalform.pdf |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 888128936 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-23 08:29 | 2026-01-23 08:29 | 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. There is no difference in valuations. - Due Diligence Vendor-01/23/2026 |  | 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. There is no difference in valuations. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 837955698 | XXXXXXX | XXXXXX |  | XXXXXXX | Closed | 2026-01-31 07:16 | 2026-02-12 08:20 | 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-02/12/2026 <br> 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. there is no variance between appraised value - Due Diligence Vendor-01/31/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 <br>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. there is no variance between appraised value - Due Diligence Vendor-01/31/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |

---

## Exhibit 99.5

[APCA RESI O4B-25A, LLC ABS-15G](nqm4-abs15g_052826.htm)

**EXHIBIT 99.5 - SCHEDULE 5**

---

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| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 571495356 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 593981388 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 870879229 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | $XXXXXXX | -.0553 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0553 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| 295739495 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XX/XX/XXXX |
| 666733808 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
| 485287221 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 64.46 | 64.46 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 676822333 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 73.33 | 73.33 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 634948817 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 60.0 | 60.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 319476286 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 617162787 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 85.0 | 85.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 971766969 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 37.69 | 37.69 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| 222044788 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 85.0 | 85.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 187891653 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 34.33 | 34.33 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 717471380 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 65.75 | 65.75 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 578006410 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| 846161393 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 50.37 | 50.37 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 982818947 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 18.36 | 18.36 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| 819658299 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 427378613 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 28.89 | 28.89 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| 510842642 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| 767018856 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 85.0 | 85.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 497129847 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 61.92 | 61.92 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 684826065 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 59.21 | 59.21 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 904515168 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 77.0 | 77.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 743943119 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| 904936898 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 37.84 | 37.84 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 103349722 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
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| 979899083 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 534199331 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 78.91 | 78.91 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
| 629091089 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 53.33 | 53.33 | $XXXXXXX | $XXXXXXX | -.0267 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0267 | XXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 140721132 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 85.0 | 85.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 240665802 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 71.39 | 71.39 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 950811936 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 888128936 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 69.23 | 69.23 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XX/XX/XXXX |
| 442396396 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 720046082 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 79.97 | 79.97 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304083678 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 60.53 | 60.53 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 837955698 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXXX | XXXXXXXX | XXXXXXX | $XXXXXXX | 60.0 | 60.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |

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